In most cases, damage from insect pests like termites or moths are not covered perils. The same is also true of animal pests like squirrels. Insurance companies classify these types of damages under maintenance negligence. In short, because regularly spraying for pests or installing exclusions can typically prevent them from creating serious problems, insurers hold homeowners responsible for any resulting damage. They are not considered an unpredictable event. If you have pest damage from something that was out of your control, like a storm that ushers in bugs, you may be able to file a claim.