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Bed Bug InsuranceGiven the craze for the movie series Twilight, what would you say if I told you that you could buy an insurance policy to protect yourself from nocturnal blood suckers?   Honest. Though it is a new Insurance product recently developed to address the costs associated with eradicating bed bug infestations that are rapidly spreading across America.

While driving recently in the Cincinnati area, I noticed a billboard advertising Bed Bug Extermination and was reminded at that moment that Cincinnati was the #1 city in America for bed bugs — New York is #9 and Connecticut is in the top 40 for bed bug problems according to a published list of worst infestations in 2011.  After a sudden urge to scratch an itch and a brief discussion with my colleagues, I learned that a client of ours recently had submitted a claim — that was paid — involving a bed bug infestation in a doctor office waiting room. This was a first for me as a Loss Control Consultant.

Infestations of any kind – bugs, cockroaches or rats- typically are excluded from commercial and personal lines insurance policies, and so is the cost of eradicating pests. This has always been viewed as maintenance expense, meaning it was not covered by your insurance policy.

With the bed bugs infestations spreading in U.S. hotels, motels, apartments, dorms, doctor’s offices, libraries, retail establishments, movie theatres, and homes, insurance companies are starting to take notice.  And when there’s a demand for a product – no matter how outlandish – someone will likely supply it. So, little crawly creatures have spawned a new enterprise for insurance companies.

Unlike those other blood-thirsty parasites – head lice – bedbugs are extremely hard to eradicate once they infest, and those costs can be high. The expense to exterminate these bugs from your bedding, cracks in walls, headboards, seams of lampshades, carpet joins, furniture, and electrical outlets can range anywhere from $400 for a single room to several thousands dollars for an entire house.

I don’t know about you, but I don’t have an extra couple of grand lying around just to pay somebody to come in to hunt down, treat, and erradicate bed bugs.

So early intervention is important and being a good loss control consultant, I would encourage people to pay a little extra attention to checking the mattress, headboard and box spring every time you change your sheets. If you are a business owner or manager your staff should be trained to recognize an infestation. If you happen to find one or two bedbugs early on, it is a lot less expensive and easier to treat than an infestation that has been running rampant for months.

These new bed bug infestation claims are starting to bring on a host of allegations from bodily injury, property damage, and even mental anguish. The financial damage doesn’t just include the extermination expense but also loss of income, and expenses from “managing the crisis.” For a business owner, lost time is money and is normally an un-insurable loss to you, so imagine how much time you would have to spend rebuilding your reputation as a business owner after an infestation. It would be rather overwhelming.

One carrier offering bed bug insurance has even included a 24/7 crisis hotline, and the services of an expert team to deal with regulators, public health authorities, customers, employees, and the press.

In time I speculate that we will see such coverage become mandatory from insurance carriers, as legislators are already starting to lining up to force carriers to offer it.   In addition to this recent increasing demand from lawmakers, hoteliers and property owners are starting to ask for some form of protection too.

Bed bug Infestation occurs because female bug will lay up to 5 eggs per day and they can very quickly multiply while you rest comfortably. They are nocturnal, elusive and hard to spot. They resemble little tiny apple seeds in size and color, unless you have had a few that take up residency in your home for any extended period of time and in that case, they can grow up ½ inch long in size.

Aside from bite symptoms, signs include fecal spots, blood smears on sheets, and molts ie, eggs. Although bed bugs can live for a year without feeding, they normally try to feed every five to ten days. But that is exactly what makes it so difficult to get ride of these nasty creatures. You may think you’re rid of them only to find that they return weeks later.

Hotels on average today will spend about $600 to $800 per room to eradicate bedbugs, but this says nothing about the lost income if an infestation becomes public knowledge. With social media and websites today such as www.bedbugregistry.com, a business can be severely impacted financially.

According to the CDC, “Bed bugs have been found in five-star hotels and resorts and their presence is not determined by the cleanliness of the living conditions where they are found.”

But I say tell that to Little Johnny’s mother when your son happens to invite Johnny over to spend the night, or just play Xbox. Having bedbugs can be stigma that follows your family or your place of business for a long time, so be aware, be proactive and ask your insurance agent about coverage.

Heat Reat

New York Bed BugsAre bed bug problems going to go away in New York?

Make no mistake, the irritating little critters are still crawling all over the place. But new numbers obtained by NBC New York suggest the panic has subsided and the battle against the blood-sucking critters is headed in the right direction.

Complaints to the city’s Department of Housing, Preservation and Development are down 12 percent, from 9,029 in this fiscal year to date, compared with 10,241 for the same period in the previous fiscal year.

Violations against landlords are down 19 percent., from 3,559 to 2,893. And bedbug-related calls to 311 are down 17 percent, from 8,736 to 7,245. The fiscal year begins in July.

One Lower Manhattan resident, who asked not to be identified, recently hired a bug-sniffing dog to confirm that in fact, he and his wife do have bedbugs.

But he said that after researching what to do, they decided they don’t need to spend thousands of dollars or throw away their clothes. High heat dryers can treat the bedding. And a thorough cleaning and inspection can manage the rest.

The tenant added, “I liken it to a mosquito bite — which are nagging but it’s not the end of the world.”

Of course, not everyone feels that way.

You can still find thousands of New Yorkers creeped out by the tenaciously hungry insects, and other experts predict another bedbug boom this summer, following the mildest winter in years.

Still, for the first time in awhile, the numbers at least seem to be heading ever so slightly in the right direction.

It may seem that bed bug problems may go away in New York but, remember we had a mild winter and with temperatures on the rise, the bed bugs will be back for blood.

$25 off bed bug inspection

Cincinnati Bed BugsAccording to ABC News, an annual study is out that depicts our nations top 50 bed bug hot spots in the US for 2012.  New york City is still in the top 10 for bed bug infestations with New Haven and Hartford Connecticut making the list also.

And the winner of the top bed bug hotspot in the US for 2012 … is Cincinnati.  Chicago is ranked second, followed by Detroit, Denver and Los Angeles.  The report says L.A. moved from 25th to fifth on the list.

Here are the top 50 U.S. cities, ranked in order of the number of bed bug treatments.  The number in parenthesis is the shift in ranking compared to January to December 2010:

1. Cincinnati
2. Chicago
3. Detroit (+1)
4. Denver (+2)
5. Los Angeles (+20)
6. Columbus, Ohio (-3)
7. Dallas/Fort Worth, Texas (+43)
8. Washington, D.C. (-3)
9. New York (-2)
10. Richmond/Petersburg, Va. (+6)
11. Houston (-1)
12. San Francisco/Oakland/San Jose, Calif. (+35)
13. Cleveland/Akron/Canton, Ohio (+1)
14. Boston (+4)
15. Dayton, Ohio (-7)
16. Las Vegas (-1)
17. Honolulu (+55)
18. Baltimore (-6)
19. Raleigh/Durham/Fayetteville, N.C. (+9)
20. Philadelphia (-9)
21. Atlanta (+24)
22. Lexington, Ky. (-13)
23. Syracuse, N.Y. (+25)
24. Miami/Fort Lauderdale, Fla. (+27)
25. Colorado Springs/Pueblo, Colo. (+19)
26. San Diego (+13)
27. Seattle/Tacoma, Wash. (-3)
28. Omaha, Neb. (-11)
29. Buffalo, N.Y. (-16)
30. Pittsburgh (-3)
31. Indianapolis (-12)
32. Milwaukee (+6)
33. Charlotte, N.C. (+13)
34. Phoenix (+19)
35. Louisville, Ky. (-3)
36. Hartford/New Haven, Conn. (-16)
37. Grand Junction/Montrose, Colo. (+30)
38. Knoxville, Tenn. (+4)
39. Grand Rapids/Kalamazoo/Battle Creek, Mich. (-17)
40. Nashville, Tenn. (+15)
41. Sacramento/Stockton/Modesto, Calif. (+24)
42. Des Moines/Ames, Iowa (-13)
43. Salisbury, Md. (+46)
44. Albany/Schenectady/Troy, N.Y. (-23)
45. Cedar Rapids/Waterloo, Iowa (-22)
46. Minneapolis/St. Paul, Minn. (-20)
47. Lincoln/Hastings/Kearney, Neb. (-17)
48. Salt Lake City (-8)
49. Charleston/Huntington, W.Va. (-13)
50. West Palm Beach/Ft. Pierce, Fla. (+6)

Find Kill Bed Bugs

Extreme Bed Bug BitesBed bugs are a very emotional issue that can easily cause psychological problems for people. Even people that have no bed bug infestation but, have had one in the past can suffer from a kind of paranoia about bed bugs.

A bed bug infestation can cause anxiety, among other emotional and psychological issues for weeks, months, and even years, depending on the person and the severity of the insect infestation.

Shame and embarrassment are also common among bed bug sufferers, mostly because of social stigma against bed bugs and other insects. It is a misconception that bed bugs are the result of poor housekeeping, and although it is rare for someone to transport bed bugs on their clothing that they’re wearing, it does happen. Education about bed bugs among sufferers, friends, family, employers and property owners can help alleviate this stress.

Nervousness, jumpiness and experiencing phantom itching and sensations are also common when a person thinks about bed bugs.

There are several ways to cope with the stresses and emotional problems of a bed bug infestation.

If you are being bitten by bed bugs, there are several things you can do to relieve the extreme itchiness.

You may want to try a cortisone cream or poison ivy cream to alleviate the itchiness caused by bed bug bites

Another way to battle getting new bed bug bites and sleeplessness due to middle-of-the-night feedings is to sleep with as much of your body covered as possible, which can mean wearing pants tucked into socks and long-sleeved shirts tucked into pants in bed.

Some people choose to find other places to sleep, such as with friends or family or even a hotel, while combating bed bugs, in order to get more restful sleep. But remember, leaving a home vacant without treating the problem will not make it go away. You should call in a fully licensed and insured bed bug inspection team that can come up with a program, whether it be chemical treatments or thermal remediation, to get rid of the bed bugs. When searching for the right “bed bug guy” look for someone who is compassionate to what you are experiencing. In my experience in dealing with people that have bed bug problems half of the battle is calming them down and letting them know that I truly care about what the are going through.

Reaching out for emotional support is an important part of the healing process when it comes to having a bed bug problem. Shame and embarrassment can often keep people from seeking that kind of care from loved ones. Do your best to find trusted friends and family to get love and support during this difficult time. Once educated about bed bugs, you may find that the people who care about you are more than happy to help you through it, by listening to you and even helping with the cleaning and laundering you have to do. Do not be afraid to ask someone for help in dealing with your bed bug problems.

Other sources of emotional support can come from a psychologist or other counselor, clergy and spiritual teachers.

It can also be helpful to take sick days or personal days from work in order to give your bed bug treatment efforts adequate attention to get the job done well.

Another way to cope with the stress and anxiety of bed bugs is to express yourself through art, writing, music, or even physical activity. So long as you are not harming yourself or others, there is no right or wrong way to express the feelings and emotions you have about your experience. You may also want to play a bed bug game as a way to relieve your frustrations.

If you can’t get the thought of bed bugs out of your mind and it is impacting your life drastically seeing a doctor is a sensible step in the process.

Bed Bug Thermal Remediation

Bed bugs are a growing problem. People can unwittingly get them at work, on vacation, at the movies, in their place of business, or in retail stores.

Added to the aggravation, irritation of the bites and social stigma of having a bed bug infestation in one’s home is the cost of treatment and the use of chemicals.

Traditional methods of bed bug treatments cost thousands of dollars and there’s no guarantee the maddening pests won’t return.

But one chemical-free method of treatment is giving people new hope.

The process is called thermal remediation, which uses intense heat to kills the blood-sucking bugs with chemical free treatments.

This heat treating of your home or business, if done correctly using oil heat instead of propane, can also be a green alternative.

Temperature up to 134 degrees is needed for an extended period of time in order to effectively kill bed bugs.

The insecticides currently being used to kill the bugs can take up to three treatments to be effective, and the process involves packing, bagging and sterilizing everything in the home, as well as tossing out infested clothing and mattresses.

Complicating matters even more, bedbugs are developing a resistance to some of the chemicals being used to treat infestations, research has shown.

This heat treatment is among several avenues being explored by the pest control industry to battle the resurgence of hardy critters, which many theorize is due in part to the ease and frequency of international travel.

Heat treating a home or business is an affective way to kill all manner of bugs and insects, not only bed bugs.

Heat Treat Bed Bugs

Ritz Carlton Bed bugsOne of New York’s swankiest hotels, The Ritz-Carlton, has had some very unwelcome guests – bed bugs.

Hotel management confirmed it found the bed bugs in one of their rooms on Sunday following a complaint from a guest.

A worker at the hotel, where a midweek room can start at $695 and soar to $4500 for a suite, said that a guest in Room 1005 produced a specimen of the pesky bug, a wingless six-legged bloodsucker before checking out on Sunday.

Hotel management said it subsequently called an exterminator to rid the room of the creepy crawlers.

Guests in rooms next to the infested area, as well as those above and below it, were transferred to other accommodations and hotel workers received bedbug training, reports the Times.

‘Bedbugs are inevitable,’ said Scott Geraghty, the hotel’s general manager.

‘They’re brought in by guests and come in on luggage or things of that nature.’

He said the problem had been remedied.

A worker at the Ritz, Rosanna Polanco, a room attendant, told The New York Times she was asked on Monday to service the room next to 1005 but was not told about the bed bugs. She found out only when she encountered a worker from Ecolab Inc., a company that supplies cleaning products and pest elimination services.

‘He was the one who told me: ‘Be careful. There’s a lot of bedbugs in there,’ Polanco said, referring to Room 1005.

‘Management didn’t tell me. I found out myself.’

The Ritz isn’t the first New York luxury hotel to be paid a visit from the wingless, six-legged creatures.

Three people have separately accused the Waldorf-Astoria of harboring the critters– one woman even claimed the bites caused her some severe trauma.

Bedbugs have been found at a slew of Gotham landmarks recently. The Empire State building, Abercrombie & Fitch and the AMC Empire 25 Theatres all have had their problems.

One Brooklyn school was attacked by the bugs 31 times in 2011. And even the headquarters of the city’s Department of Housing isn’t safe!

University of Kentucky Bed BugsChances are, you or someone you know has had a run-in with bed bugs. It might have happened in a scrupulously clean bedroom. Or maybe it was a hotel room, office or college dorm. In the February issue of Scientific American entomologist Kenneth Haynes of the University of Kentucky explains how, after a lengthy absence, bed bugs are staging a comeback. The good news is scientists are intensively studying these insects, and their insights suggest novel ways of detecting the bugs and eradicating infestations. Some of those potential solutions are a long way off, however. In the meantime the best bet is to avoid bringing bed bugs home in the first place.

Do bed bugs only feed on humans?

No. Bed bugs are also pests in poultry operations, and they’re known to drink the blood of bats. Some labs that study bed bugs rear them on guinea pigs and mice. The bugs might feed on cats and dogs. Fur is probably a barrier to them, but they could feed at any place on the body without fur. Bed bugs are not specific to humans, but they are adapted to parasitizing us.

Could you have a bed bug infestation in your home and not know it?

That’s very possible. I have heard of couples reporting that only one partner is getting bitten. The truth is that both are getting bitten, but only one has a reaction to the bites. Thirty percent of people or more don’t react to bed bug bites at all, and the elderly are less reactive than the rest of the population. Among those people who do react to the bites, most of them don’t respond to early bites, but develop a sensitivity to subsequent ones. Those individuals who are not sensitive to bed bug bites may not know they have an infestation. Because bed bugs are nocturnally active, it’s hard to see other signs of their presence—unless you’re accustomed to waking up at 3 A.M. and taking a census. With a huge infestation, bed bugs start to move away from the bed, so you’re more likely to see one in an exposed place during the day. In very severe infestations people can become anemic. That takes a lot of bugs though—maybe 100,000 feeding once a week or more.

Another clue to infestation is odor. Like many species of bugs, bed bugs release odors called alarm pheromones. When a group of bed bugs gets disturbed, you may get a whiff of that odor, which is similar to the odor stink bugs give off. At higher concentrations the odor is unpleasant. Some people say at low concentrations it’s a pleasant smell—like coriander. In fact, older literature refers to the bed bug as the coriander bug. I’ve tried to smell the coriander scent in bed bug alarm pheromones and have not been able to make the connection, however.

What can one do to avoid getting bed bugs?
The first thing is you have to be able to recognize and distinguish a bed bug from any other insect. Everything starts to look like a bed bug if you start to worry about them. An adult bed bug is about the size and shape of an apple seed. If it has not fed recently it will be flattened and brown. If it has fed it will be round in circumference and reddish. Immature bed bugs have a similar appearance to adults, with the smallest being the size of the head of a pin. You can then learn to look for their fecal spots, which can be easier to detect than the bugs themselves. Check your hotel rooms when you travel. And think twice before bringing home used furniture. If you are purchasing used furniture, ask the furniture store how they deal with bed bugs. If they have no plan whatsoever, that’s probably not a good sign. If you purchase used clothing, put it through a clothes dryer on a medium to high setting for a cycle as soon as you bring it home. And before you move into an apartment, ask the landlord whether there has been a bed bug infestation, or whether the building has ever been treated for bed bugs.

Bed Bug Finders New York

Cold Weather Bed BugsWith cold weather temperatures dropping and expected to hit the North-East, including New York and Connecticut harder in the coming weeks, people will likely have to continue to battle bed bugs through the winter, experts say, when most other insects are halted by the cold, bed bugs still thrive.

Bed Bugs are a domesticated insect, whereas they live inside and spend very little time outside.  The cold temperatures of winter have little affect on bed bugs when they are residing in a heated home or business.

Although both extreme heat and cold can be used to rid homes and businesses of bedbugs, heated dwellings will offer plenty of shelter to bedbugs as the seasons shift.

How Infestations Originate

It often seems that bed bugs arise from nowhere. The bugs are efficient hitchhikers and are usually transported in on luggage, clothing, beds, furniture, and other items. This is a particular problem for hotels, motels and apartments, where turnover of occupants is constant. Bed bugs are small, cryptic and agile, escaping detection after crawling into suitcases, boxes and belongings. The eggs are especially tiny and are usually overlooked. Acquiring secondhand beds, couches and furniture is another way that the bugs are transported into previously non-infested dwellings. Bed bugs also can be carried in on a person’s clothing or shoes, resulting in an infestation.

Once bed bugs are introduced, they often spread throughout a building. The bugs can travel from room to room or floor to floor either by crawling or via a person. Unlike cockroaches that feed on filth, the level of cleanliness has little to do with most bed bug infestations. Pristine homes, hotels and apartments have plenty of hiding places and an abundance of warm-blooded hosts. Thus, they are almost as vulnerable to infestation as are places of squalor, and it doesn’t matter what the temperature is outside.

Think about it, when it is cold outside the bed bugs have a nice, comfortable place to stay in your heated home or business.  They also have a good food supply – meaning your blood.

If you think you have a bed bug problem this winter in your home or business the best thing to do is contact a licensed and insured bed bug professional.

New York City Bed Bug Detection

Bed Bug FireTrying to get rid of your bed bug infestation yourself can be dangerous, especially if you are chasing these nasty little parasites around with a cigarette lighter.

We understand how having a bed bug problem can cause severe emotional and physiological issues and that seems what happened to a man in Kalamazoo, Michigan last Thursday when he tried to fend off bed bugs but ended up setting his apartment on fire.

Based on the report, the bed bug fire happened in the second-floor of the Fox Ridge Apartments in 1400 Alamo Hills Dr. in Kalamazoo. It started when a tenant found bed bugs and tried to chase them away with a cigarette lighter. It’s said that he admitted to starting the fire and tried to use the extinguisher but was overwhelmed by the smoke and evacuated.

Members of the Kalamazoo Department for Public Safety were dispatched to the area at 6:35 pm. It took them about 15 minutes to extinguish the flames which were fortunately was contained to a bedroom

“Bed bugs are some of the worse pests that anyone can ever get. With all the negative things that they can bring, you can’t really blame others for trying so hard and even spending too much just to get rid of them.”

“Unfortunately, there are some who get into more trouble while eliminating bed bugs than what these parasites can actually give. Take, for example, the recently reported man from Fox Ridge Apartments in Kalamazoo Michigan who had set his apartment ablaze while trying to kill bed bugs.”

“According to the report, the fire started when the man used a cigarette lighter in his attempt to fend off bed bugs. Good thing that the fire was contained in the bedroom and that it only sustained burn, smoke and water damage.”

“The Kalamazoo Department of Public Safety said to have extinguished the flames in 15 minutes.”

New York Bed Bugs

Bed Bug InsestBed bugs are one of the only animals on our planet known to get stronger by inbreeding.  A recent study has come to terms that bed bugs are fighting back against us humans by inbreeding.

New research on the bed bug’s ability to withstand the genetic bottleneck of inbreeding, recently announced at the American Society of Tropical Medicine and Hygiene (ASTMH) annual meeting, provides new clues to explain the rapidly growing problem of bed bugs across the United States and globally. After mostly disappearing in the US in the 1950s, the common bed bug (Cimex lectularius) has reappeared with a vengeance over the past decade. These stubborn pests have developed a resistance to the insecticides, known as pyrethroids, commonly used against them.

One of the newly discovered factors that appears to be contributing to the bed bugs’ effective infestation is their ability to establish new infestations through inbreeding. Coby Schal, PhD, and Ed Vargo, PhD, both entomologists at North Carolina State University (NCSU), and colleagues carried out two studies now under peer-review examining the genetics of bed bugs from three multi-story apartment buildings in North Carolina and New Jersey, and determined that there were high levels of relatedness within each apartment and very low genetic diversity within each building, indicating that infestations start from just one or two introductions of the insect. Being able to withstand a very high level of inbreeding — i.e., still produce healthy offspring — allows the bed bug infestation to expand to other apartments within the building.

Another study by this team confirmed this same conclusion based on a study of 21 bed bug infestations from Maine to Florida in the US, nearly all of which came from single rooms within homes. “Inbreeding gives bed bugs an advantage in being able to colonize,” said Schal. “A single female that has been mated is able to colonize and start a new infestation. Her progeny and brothers and sisters can then mate with each other, exponentially expanding the population. With many organisms, extensive inbreeding would cause serious mutations that would eventually bring about an end to the population.” He also noted that cockroach populations are also able to survive inbreeding.

A major strategic advantage that we might want to explore in this bed bug fight, and it may seem unproductive at this time, but may pay a huge benifit in the future is to introduce female bed bugs into the mix that do not have a resistance to any chemicals.  This would, in theory, create colonies of bed bugs that do not have any resistance to our extermination procedures or chemicals.

Until then, there is really only one proven and effective way to kill bed bugs and that is heat.

Heat Kills Bed Bugs