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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.

Most spiders are harmless or do little more than the equivalent of a bee sting. Prevention is the best option for more serious cases. Keep spiders out of your home when possible. When you find spiders, a spider nest, or egg sac, remove it quickly before an inquisitive pet or child gets involved. When children are old enough, teach them to recognize the few dangerous species of spiders and avoid them to prevent getting bitten.

Although it would make things easier for you, animals won’t likely leave the attic on their own. Unless the animal finds seasonal respite in your attic, it’s likely to stay in a protected space as long as it is allowed. Get rid of animals in your attic by calling the appropriate wildlife removal professionals so they can safely and efficiently remove the critters from your home, being careful to avoid further damage to your home.

Using chemicals with harsh odors is a natural way to repel bears. While the animal’s strong sense of smell is an asset in the animal kingdom, it’s a weakness here. Simply place bleach or ammonia in a bucket and leave it outside day or night. Ironically, bears also dislike the smell of pine, so you can use pine oil or a pine-based cleaning agent. Avoid using cleaning products with fruit or citrus smells, however.