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Both insects can damage wood, but there are key differences between termites and carpenter ants that tell them apart. Carpenter ants tunnel through moist wood, leaving behind smooth tunnels and sawdust-like piles, as they don't eat the wood but rather carve it for nesting. In contrast, termites actually consume wood, creating irregular galleries filled with mud and dirt, and leaving behind mud tubes as their signature. In terms of appearance, carpenter ants have segmented bodies with heart-shaped heads and larger front wings, while termites have more oval bodies with straight antennae and equal-sized wings.

You can take multiple approaches to keep animals out of your edible landscape. You can use natural repellents such as mint and cayenne pepper to deter them from your garden. You can also build a fence (or opt for a privet hedge) or keep the most enticing plants in a sectioned-off area. The most efficient method of keeping your four-legged guests at bay is to determine what animal it is and create a customized plan for them. 

It’s very rare that home insurance covers an exterminator. Pest problems aren’t covered under standard home insurance. They’re typically considered ongoing events that could have been prevented, which makes them ineligible. Some insurance companies will specifically ban termite and rodent services because costs can be high. However, a sudden and unstoppable infestation, especially one that resulted because of a sudden event like storm, may be covered. Call your insurance company and ask about the details if you aren’t sure.

Identifying the specific animal running on your roof at night can be challenging without direct observation. Common nocturnal roof visitors include raccoons, squirrels, opossums, and rats. Raccoons are bigger and can create heavy thumping sounds. Squirrels are agile and may produce rapid scurrying noises. Opossums tend to move stealthily with less noise. Rats can make scratching or gnawing sounds. To determine the culprit, look for signs like footprints, droppings, or damaged areas near the roof. For accurate identification, consult a pest control professional or set up wildlife cameras near potential entry points.