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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 squirrels set up a home in your attic, they can cause considerable damage. It’s not uncommon for them to chew holes in your roof, siding, or joists, and they can eat through electrical wiring. They might also travel to other parts of your home or into your wall cavities. Not to mention all that bacteria-filled feces and urine they spread around. 

Exterminators can get rid of your current ant problem, but they won’t prevent ants from coming back. So it’s important to implement ant preventatives to avoid future infestations.

The primary reason ants enter your home is to find food. If they can’t find any, they won’t survive. So, the most effective way to prevent ant infestations is to clean, clean, and clean some more. 

Keep your kitchen sparkling and wash your dishes immediately (or at least give them a quick rinse and wash off leftover food). Take out your garbage and compost as often as possible and tightly seal all your kitchen containers, especially the mason jars you use to hold your sugar—sugar is gold to ants.

You can also hire a local handyperson to help you prevent future ant infestations. The handyman can seal cracks and fix leaks throughout your home, which will keep any ants from entering.

Raccoons are primarily crepuscular and nocturnal, meaning they are most active at dawn, dusk, and throughout the night. While less common, they may come out during the day to find food, especially in warm months or during the spring birthing season (April and May) when caring for their young. Seasonally, raccoons are active year-round and do not truly hibernate. However, during periods of severe cold, they will often remain in their dens for extended periods.