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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.

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.

Typically, bed bugs live for four to six months. However, they can live even longer in cool conditions without any food. Bed bugs breed frequently, giving rise to dozens of babies that can quickly infest your home, so it’s best to keep a vigilant eye out if you suspect bed bugs may be around.

Roof rats can carry a variety of pathogens and parasites, including salmonellosis (food contamination), leptospirosis, trichinosis, rat-bite fever, murine typhus, plague, and toxoplasmosis. Diseases can be spread via urine, droppings, or saliva. To prevent transmission, it’s essential to promptly address a roof rat infestation and avoid direct contact with the animals where possible.