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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.

If you’re having trouble with your traps, first examine them for flaws that would allow a squirrel to escape easily, such as loose doors or hinges. It’s also important to consider the location of your trap: Place it in areas with higher squirrel traffic, and make sure it’s on a sturdy surface so it can’t wobble or tip (squirrels aren’t likely to walk in a trap that isn’t stable). Lastly, try changing out your bait—in-shell peanuts or peanut butter often work best.

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.

Groundhogs usually keep their cool despite being easily spooked. However, there are exceptions—they might get defensive or territorial if they feel threatened or overly concerned. If they sense a threat to their babies, they could get feisty, too. These wild animals are not meant to be kept as pets. If you find babies or an injured groundhog, contact your local animal rescue or wildlife service for guidance.