The Orkin list for the 50 most bedbug infested areas in the US is up, and The Capital District once again makes the list – actually moving up to spots to #42. (source)
Getting rid of bedbugs can be a daunting and expensive project. and most homeowners insurance policies specifically exclude damage to your home caused by insects and vermin, so prevention is key.
Here are some Tips on Preventing Bedbugs from Real Simple Magazine.
Also, check out this guide to Preventing and Getting Rid of Bedbugs Safely, by the NYS Department of Health. It has information about how to recognize a bedbug, and the health effects.
Your best bet is to concentrate on preventing bedbugs in your home. Should you find a bedbug, it is critical to nip it in the bud and take care of the issue as soon as possible to prevent further damage and a larger infestation.
While your homeowners policy does not cover damage to your home caused by the bedbugs, or the cost to get rid of them, you may have coverage if someone should sue you because of your bedbugs under the personal liability portion of your policy. For example, a friend is bitten by bedbugs while visiting your home and sues you. But, you certainly don’t want it to get to that!