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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.

Even if you have extreme ophidiophobia (fear of snakes), don’t try to shoot or kill them with a shovel. Besides being pretty cruel, killing snakes in most states is illegal unless your life is at risk and many species are protected. 

Plus, you're putting yourself at greater risk using these techniques if it goes wrong and the now-angry snake is venomous.

Scorpions cannot climb smooth, non-porous surfaces because their pincers and feet are unable to get a grip. This includes materials like clean glass, polished metal, and slick plastic. While they are excellent climbers on rough or textured surfaces like wood, brick, or stucco, their inability to scale smooth vertical surfaces is why glass jars and other slick containers are effective for trapping them or creating barriers.

Yes, rats will go near a sleeping human, especially if there is food or crumbs nearby. What’s worse, they may even bite humans while they are asleep. Common places for bites are exposed fingers, toes, hands, and faces. To minimize the risk of rats approaching you and your family members while they’re asleep, do not eat or leave accessible food packages in the bedroom.