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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.

While many pests like rats, mice, ants, cockroaches, silverfish, and bed bugs can damage your home, termites are among the most destructive. By sheer dollar amount, the damage from a bad termite infestation is unparalleled, as they can ruin walls, floors, roofs, and wooden support materials, potentially requiring massive reconstruction. Other highly destructive pests include rodents, carpenter ants, and bees that build hives within walls. If you spot signs of termites or other pests, you should hire an exterminator immediately.

When it comes to keeping birds from doing their business on your porch rails, you have several DIY options and home remedies you can try: 

• Tie a fishing line from one end of the deck post to the other. Birds won’t be able to see the line across the railing, so they can’t land on it.  

• Hang wind chimes close by, which may scare birds away. 

• Apply a bird gel repellent to the railings, which contains smells that birds generally don’t like. Or, similarly, you can apply citronella or lemon oil around the railings, since birds don’t like strong smells.

Most treatments take 1-3 hours, but severe infestations may require multiple visits.