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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.

Roaches have a strong sense of smell and are repelled by a variety of potent aromas. Scents that can help deter them include citrus (such as lemon and orange), herbs like peppermint, mint, basil, thyme, and oregano, spices like bay leaves, cinnamon, clove, and garlic, as well as lavender, eucalyptus, citronella, tea tree oil, and vinegar.

You can use these scents in several ways to create an unwelcoming environment for roaches:

• Plants: Place mint or lavender plants in your home or garden.

• Powders and Leaves: Sprinkle garlic powder or place crushed bay leaves and citrus peels in high-risk areas like kitchens, bathrooms, and entry points.

• Sprays: Create a diluted solution with scents like lemon or vinegar to spray in your home. These can also be used in cleaning products or as room fresheners.

• Essential Oils: While essential oils of these scents can be used, be cautious as they can be toxic to pets if inhaled.

It is important to note that while these smells can help keep roaches away, they typically do not kill them and may not be enough to drive out an existing infestation entirely. For best results, combine these scent-based deterrents with regular cleaning. Be sure to clean up all food spills, crumbs, and dirty dishes promptly, and keep trash cans covered with a tight-fitting lid to remove potential food sources.

Both spikes and loose nets can be installed over nest sites to prevent the bird from returning, but nets are not a humane option since birds and other wildlife can get tangled in them. 

Spikes are a humane alternative that deter nesting without harming the birds. In small areas, like vents, a very fine mesh net can be installed to prevent the bird from returning. These nets don't generally pose a risk to the birds.

An owl's worst enemy in the wild is often other raptors and environmental factors. Among the avian threats, larger owls or other birds of prey can pose a danger, engaging in territorial disputes or competing for food resources. Terrestrial predators like foxes, raccoons, and larger mammals may target owl nests or young fledglings. Environmental factors like severe weather conditions, habitat loss, and food availability changes can also significantly impact owl populations.