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The primary attractant for moles is food. With a powerful sense of smell, they seek out grubs, earthworms, ants, and other insects in the soil. Other factors can also draw them in, such as moist, loose soil which makes tunneling easier, so an overwatered lawn can be an invitation. Additionally, male moles may enter your yard to expand their territory or find a mate, and if a neighbor has a mole problem, it's possible for them to tunnel over to your property.

Seeing a rat or two isn’t uncommon, especially in mild climates. That doesn’t mean they are actively a danger to your home. The problem is when you start seeing rats regularly in your yard, there’s a good chance they are also looking for ways to get into your house or other buildings. All they need is a small hole or gap, and they have a new place to nest -- which is bad news for you. Stay cautious if you start seeing rats in your yard all the time. 

There are several possible reasons for a gnat infestation, and they vary based on the type of insect. One common reason is overwatering houseplants, which can create a moist environment that is attractive to fungus gnats. Another reason is leaving fruit out on the counter for too long, which can attract fruit flies. Drain flies are typically attracted by standing water and bacteria that are often the result of buildup or a clog in your drain or sewer line.

A standard homeowners insurance policy will often cover raccoon damage in an attic, on a roof, or in other areas of a home’s structure. If you have raccoons removed and discover structural damage, file a claim. However, homeowners insurance typically won’t cover the repair or replacement of personal items that you may have stored in an attic.