Do I need an exterminator and a contractor?expand_more
Often yes. Treatment and repair are separate licensed activities in Oregon, though some firms provide both. Get the infestation treated or confirmed inactive first, then repair, then exclude. Doing the repair first tends to mean doing it twice.
How do I know if damage is structural?expand_more
Soft or spongy floors, sagging between joists, doors that suddenly bind, and a screwdriver sinking into a joist end or post base are the signs. Anything at a bearing point deserves a contractor's inspection rather than a filler-and-paint patch.
Will my insurance cover it?expand_more
Usually not. Rodent, insect, and rot damage is typically excluded as a maintenance issue, though damage from a sudden covered event that led to it may be treated differently. Check your policy language and document everything before repairs begin.
Is rodent-contaminated insulation actually dangerous?expand_more
It should be handled carefully. Droppings and nesting material can carry pathogens and shouldn't be disturbed without protective equipment and containment. That's part of why crawlspace clean-outs are priced as specialist work rather than general labour.
How do I stop it happening again?expand_more
Seal every gap larger than a coin, screen the foundation vents, keep branches trimmed back from the roof, extend downspouts away from the house, and get the crawlspace ground cover intact. An annual look under the house in autumn catches most problems while they're small.