Creepy, crawly, and flying insects are okay outdoors, but you don’t want them in your home. Yet sometimes they make their way inside.
We researched tried-and-true methods to remove bugs indoors. Follow this handy guide to get rid of what bugs you this summer.
Common bugs in your home
Crumbs of food and a reliable water source can attract ants to your house. When it’s too warm or wet outside, spiders may venture in, especially if there are other bugs in your home to eat. Flies, bees, and wasps love rotting fruit, and flies flock to garbage. Light, trash, and food also attract beetles. Weevils hitch a ride in your groceries, via eggs laid by adults in products like rice. Other common bugs include earwigs, firebrats, centipedes, silverfish, cockroaches, bedbugs, termites, and if you have pets: fleas and ticks.
Steps to take to combat bugs
While these buggy visitors may be common, they’re certainly not welcome. Here’s what you can do about it.
Step 1: Seal cracks and openings.
Bugs often crawl in through tiny cracks or holes in window screens and around windows and doors. Carefully check all these potential openings.
Close up holes by replacing screens, caulking openings, or applying weatherstripping.
Caulk is generally used for cracks near stationary items, while weatherstripping is for things that move such as doors and windows.
Don’t forget to check where electrical lines and pipes enter your house. Canned spray foam can help to seal these openings.
Bugs feast on your crumbs. They eat flour, cereal, baking mix, crackers, dried pasta, dried fruits, nuts, popcorn, and pet food. Ants especially like sweets.
Wipe down cutting boards and counters after food prep.
Keep food in sealed containers and/or in the fridge or freezer.
Put a lid on your garbage can and empty it regularly.
Clean the crumbs from your microwave, stove, toaster ovens, and other appliances.
Step 3: Beware of hitchhiking bugs.
Some bugs come in with items that you bring into the house, such as groceries, or even your pets.
Meal moths, weevils and beetles love the grains and cereals in your pantry. Store those items in glass, metal, or sturdy plastic containers with airtight lids.
If you notice bugs in your pantry in one container, check the ones next to it. Throw away any boxes with bugs. Remove all items from the pantry and clean the shelves with soap and water.
Pro Tip: Freeze any items for 3-4 days or heat them in a 140F degree oven for an hour or two to kill insects and eggs.
For those bugs getting a free ride on your fur babies, keep pets up to date on flea and tick Check them for fleas and ticks regularly.
Step 4: Clean and declutter.
Bugs look for shelter, and they will find it among your clutter. Vacuum and keep your home neat to help keep bugs at bay.
Avoid piles of newspapers and stacks of boxes where spiders and cockroaches love to live.
Even piles of dirty laundry can be home to bugs. That’s a good reason to put clothes away.
Make sure to declutter and donate items that you no longer use.
Store firewood outside and away from the house. Check any wood for bugs before you bring it inside.
Step 5: Dry areas that are damp.
Bugs also look for water. Some prefer damp places, such as drain flies that live in your kitchen sink and bathtub drains. If you can dry the areas that are damp, that will help eliminate bugs.
Fix leaky faucets, drains, and pipes as a first defense.
In areas where it’s typically damp, like a basement, use a dehumidifier.
Make sure washing machines and dishwashers are working correctly and not leaking.
Step 6: Use the scents that bugs hate.
Certain scents repel bugs. Fortunately, these same scents usually smell pretty good to humans.
Peppermint repels ants, mosquitos, and spiders. Put some essential oil on a cotton ball and adjust the strength as needed.
Tea tree and citronella oils also work well in keeping away a range of pests.
Spiders don’t like onions. Slice some and put them in a bowl of water.
Many brands of fabric softener sheets contain a compound, linalool, which has a scent hated by mosquitos and other flying insects.
Step 8: Place bug traps.
You can find bug-specific traps on the market, or you can make your own.
Sticky flypaper will trap flies and gnats. Be sure to hang it up and away from your pets.
Ant bait traps use various insecticides. Keep them out of reach of pets and toddlers. For a nontoxic ant remedy, sprinkle some cornmeal. Ants like to eat it but cannot digest it.
For fruit flies, put apple cider vinegar in a small bowl. Cover it with plastic wrap and punch holes in it. The fruit flies will be attracted to the vinegar and get trapped beneath the plastic.
Your home is one of your greatest investments. Perform regular home maintenance and insure your home for added peace of mind.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
You’re ready to upgrade your kitchen or build that deck. Remodeling is a great way to add value to your home. If you’re planning a renovation project, there’s something you’ll want to do first. Review your homeowner’s policy. That way you can make any changes to ensure you’ll be fully covered.
There are several ways insurance can factor into home renovations, but you’ll want to check the specifics. Then you’ll know what is covered and what is not:
If your home is damaged during remodeling
If someone gets hurt during remodeling
If your home is not up to code
If the remodel increases the value of your home/property
If your home is damaged during remodeling…
You may hire a contractor for your home renovation. Make sure they carry the right insurance. This includes workers’ compensation, property damage, and personal liability. Ask to see a copy of your contractor’s insurance policies. Look for a commercial business/general liability policy and for a workers’ comp policy. Take a photo of the documents for your records. If your contractor is not insured, he or she or their staff could sue you if injured.
If someone gets hurt during remodeling…
If you are doing a DIY remodel with the help of family or friends, you’re responsible for their safety. Make sure your liability coverage is enough. Consider increasing liability limits in case someone gets injured. Personal Liability protects you if a claim is made or a suit brought against you for bodily injury or property damage and you are found to be legally liable. Liability covers you at your place or anywhere in the world. If you are found liable, the policy will pay up to its limit of liability for damages for which an insured is legally liable. This can include medical expenses, lost wages, pain and suffering, and permanent scarring. The policy also provides a defense in court, if needed, for the policyholder. This is at the insurance company’s own expense.
If your home is not up to code…
Insurance only pays if there is a covered loss, not for renovating or remodeling. However, if you are rebuilding your house due to a covered loss, and you need to bring your home up to code, insurance can help. Add an endorsement for Ordinance or Law coverage to bring your home up to current building codes for repairs and/or rebuilding. Again, this endorsement only provides coverage if there is a covered loss and you are required to bring it up to code. The contract automatically includes 10% of your coverage A but the endorsement can be added to increase that percentage.
If the remodel increases the value of your home…
Your homeowner’s insurance is designed to repair and/or replace your home should it be damaged by a covered loss. When you renovate your home, your improvements have increased its value. Don’t make the mistake of thinking your original insurance will cover it. Make sure you are fully covered for the new value of your home if you must replace or rebuild it in the future.
Your insurer may require you to notify them within 30 days of completion of any improvements, alterations or additions to the building insured under Coverage A which will increase the replacement cost of your home by 5% or more.
Dwelling Coverage
Talk to the service department at your insurer about increasing your dwelling coverage. Dwelling refers to the structure of your home and includes the roof, walls, floorboards, cabinets, and bath fixtures. The easiest way to think about it is that if you could tip your house upside down, the dwelling is everything that remains attached.
Attractive Nuisance
Does your renovation include an attractive nuisance? Attractive nuisance is a term used to describe anything that might attract children and present a potential danger to them. Examples include trampolines, swimming pools, and playground equipment. If you added any of these during your renovation, be sure that you are (a) secured against access to them with a fence and locked gate and (b) covered for them under your policy.
Personal Property Coverage
You may need to increase coverage for personal possessions if you purchased items as part of the renovation or since your last policy update. Personal property coverage protects your possessions, such as furniture, clothes, sports equipment, and other personal items. Again, if you could tip your home upside down, everything that would fall out is considered personal property. This coverage protects these items whether they are in your house or off premises.
Speak with your insurer’s service department to see if you need to change your coverage limits.
Your insurer has a built-in tool that helps them estimate the replacement cost of your home. They update the information into the system, which provides the new rebuild cost. While a renovation can increase your premium, certain improvements can help to reduce payments. These include security systems, or a new roof. Ask about discounts, too. California Casualty offers discounts to nurses, educators, and first responders.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
You’re driving along and, suddenly, you notice a puff of smoke. The needle on your dashboard starts inching into the red. There goes your engine warning light. Your car is overheating.
Don’t panic. While overheating can cause permanent damage to your car, your quick action can make a difference. Here’s a guide on why engines overheat, steps to take to prevent it, and what to do if your vehicle overheats this summer.
Why do engines overheat?
An engine naturally generates heat when it runs. The cooling system helps it from getting too hot. Sometimes, however, the system fails. Here are some common reasons an engine overheats.
Low oil or coolant levels
Leak or blockage in the cooling system
Faulty thermostat
Clogged or worn-out hoses or belts
Defective water pump
Radiator failure, damaged radiator cap
Damaged or blown head gaskets, warped cylinder heads
Watch for these signs.
You may not even be aware your engine is getting too hot until it’s too late. That’s why it is important to look for the signs of overheating.
Early signs
Ticking noises in your engine that could be related to a loss of lubrication
Thumping noises from cold coolant mixing with boiling coolant (due to a failed sensor in your thermostat)
An engine that gets hot after short trips
A puddle of coolant on the ground after you’ve parked
Emergency signs
Steam (that looks like smoke) coming from the vehicle’s hood
Spike in your temperature gauge or check engine warning light
Strange smells or odors from the front of your car (Oil produces a burnt smell, coolant smells sweet, and you may also notice the smells of hot metal or burning rubber.)
Reduced engine power
What to do if your car overheats…
Overheating can lead to serious and expensive damage if it’s not addressed quickly. Follow these steps if your car overheats.
Turn on the heater.
It may seem counterintuitive but turning on the heat will draw heat away from your engine. Sometimes that’s enough to move the gauge back into the safe area. Importantly, do not run your air conditioning. That will only make the car heat up more.
Put on your hazard lights and make your way to the side of the road. If you’re on a highway or busy street, do so as soon and safely as possible. Pull over in a place where you can wait it out for a while, and where emergency service vehicles can easily access your vehicle.
Shut off the engine and wait.
It will take at least 15 to 30 minutes for the engine to cool down. There is nothing you can do at this time. Call for assistance if you think you will need it. Importantly, do not try to open the hood. Your car is dangerously hot, and you could be sprayed with boiling water or steam.
Check the pressure of the radiator hose.
Wait until the hood is cool to the touch to open it. Then put on gloves and grab a towel. Locate the radiator hose in the upper side of your engine. Use the towel to squeeze it. If it’s stiff, there’s pressure in the system. Do not remove the radiator cap until the pressure has decreased.
Add coolant.
Locate the radiator cap (see owner’s manual). Cover the cap with a towel and slowly push down to loosen it a quarter of a turn. That will release some of the pressure. Then fully open the cap. Refill the coolant if needed. Also add coolant to the small clear plastic overflow reservoir on the side of the radiator. Replace the cap.
Turn on the engine.
If the gauge is normal or the warning light is off, proceed with caution. Adding coolant doesn’t fix the problem. It just allows you to get somewhere safely to address it. Note that if your car is overheating because of a hose or radiator issue, then coolant will not work.
Drive or get towed to a service station.
If your car has overheated, it needs to be seen by a mechanic. Don’t ignore it. It may be inconvenient to get it fixed, but driving an overheated car will ruin your engine.
Prevent your car from overheating.
Overheating is common in the hot summer weather. There are steps to take to safeguard your car if it is at risk.
Check and maintain your fluid levels. This includes coolant and oil.
Get a coolant flush. This will remove old coolant and chemical buildups.
Perform routine car maintenance. Do regular radiator checkups.
Check under your vehicle for signs of coolant or oil leaks. Get them addressed right away.
Your car is one of your greatest investments. Keep it fully insured for added peace of mind. Safe travels.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
Maybe you got married—or divorced. Perhaps a nanny moved in, or your son or daughter moved out. When major life changes like this happen, it’s time to look at your insurance policy. If you need to add or remove someone, here’s what you need to know.
Who must be listed on your policy?
Car Insurance
For car insurance, you must list all people in your household. Your list will include family members but also a roommate, relative or nanny who lives with you. They are added because they live with you, not because they drive your car. It varies from state to state but you may be able to exclude those individuals who won’t drive your car.
Excluded from rating: If a person meets underwriting guidelines and has coverage elsewhere, they will be listed on the policy but excluded from a rating. That means no premium will be charged for them.
Excluded from coverage: If the person has an unacceptable driving record, they will not meet underwriting guidelines and will be excluded from coverage. A signed document is usually required.
Some states do not allow you to exclude any drivers, and others will not allow exclusions of drivers who are acceptable. Still other states will not allow the exclusion of a family member or spouse. For details on excluding someone from your policy, see the section on removing someone from your policy.
Homeowner’s Insurance
For homeowner’s insurance, the policy must be in the name of the person who owns the home. That person’s name is listed on the title. If another person, spouse or not, has their name on the deed/title and they live in the home, they will be added as a named insured.
Adding someone to a car insurance policy
You can either call your insurance company or log into your account online to add a person to your policy. You will need their:
Name and date of birth
Driver’s license or permit
VIN for the vehicle(s) that they are driving
Number of years that they have been driving
Driving record, including any accidents or violations
Your insurer will then give you a cost quote for the additional driver. Ask your insurer for ways to save money while bundling or with other discounts.
Removing someone from a car insurance policy
If someone on your policy no longer lives with you and/or no longer drives your car, that’s a good time to remove them.
You will need to provide proof that the individual no longer lives with you.
If your loved one has passed away, you will need to provide the death certificate.
If the person still lives with you, your insurer may require you to keep them on the policy or show proof of their own insurance.
Special situation: child away at school
If your child is away at school, and you are expecting that child to return for breaks, this is not the time to remove him/her. If your child has a car that will be kept at home and not driven while he/she is at school, ask your insurance company whether you qualify for a discounted rate. If your child is over 100 miles away without a car, you may receive a discount.
Children away at school are automatically covered by your policy, so you are not able to remove them. However, as your children age and move out, that will change. When should you remove your child from your policy? It really depends upon your unique situation and needs. While there is technically no age limit for children on a policy, many insurance companies require children get their own policy once they are no longer a dependent, even if they are still living with the insured.
Excluding a driver vs. removing a driver:
Some insurance carriers allow you to exclude a driver, even if they live with you. Excluding a driver means that they will not be covered while driving any vehicles. You may be able to exclude a driver for an unacceptable driving record, and therefore reduce your premium. Note that there will be no coverage of that person driving your car even in an emergency, and if that person is discovered to be driving your car, your insurer may decide to increase your premiums or decline to renew your policy. It’s important to note that if the excluded driver does drive and has an accident, you, the insured, will be responsible for paying for all the damages/injuries out-of-pocket. That includes any damages/injuries that occur if they are driving someone else’s car too.
Adding someone to a homeowner’s policy
The homeowner’s policy is held by the person or people whose names are on the title/deed of the home.
You may add your spouse as a named insured on your policy if they are on the title/deed. Depending upon your spouse’s claim history, note that this could raise your rate.
If you’re not married but living together, and the non-married partner’s name is on the deed/title, you may add them as a named insured.
You may want to adjust personal property coverage if your new spouse has items that increase the value above what is currently on your policy.
If you are the primary homeowner listed on the policy, you may remove someone from your policy. Traditionally, this happens during a separation or divorce. A homeowner’s policy can be maintained during a separation, but should be changed as soon as the divorce is finalized. At California Casualty, we typically wait until the divorce is final and/or the policy renewal date to move property policies from one account to another.
Only a named insured on the policy is authorized to make changes. Ideally, the changes should follow the separation agreement.
The effective date the change takes place depends upon your policy.
The spouse who moves out, but is still on the deed, should be named as an additional insured.
Your homeowner’s policy should be listed under whomever keeps the house.
You’re often able to add coverage for a partner or roommate to your renter’s policy if they move in. There are three main ways to do this.
You can add coverage for a roommate for an additional cost. You can do this on a homeowner’s and renter’s endorsement called “Other Member of Your Household.” Some states do not charge a premium for this. You can remove this person at any time, with no notice given to them.
Unless you are married, you cannot add a significant other as a named insured.
You can ask the person to get their own policy. Separate policies mean each of you has the full amount of liability coverage if you cause a loss.
Having the right coverage gives you peace of mind. Make sure you are protecting your greatest investments.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
There’s a puddle underneath your car. Don’t panic. If it’s summer and you’ve just run the air conditioning, you probably don’t need to worry. But there are times when you should be concerned.
We’ve put together a guide to why puddles form under cars, what to look for, and when you need to act.
What is an air conditioning puddle?
Water puddles are common on hot, humid days after we run our car’s air conditioner. That’s because the process of air conditioning produces condensation. There’s a drain tube built into the system that allows that moisture to pass through the floorboard and exit the car. You’ll usually see that puddle under the car on the front passenger side.
Note: A puddle under the car is normal. A puddle inside the car is not.
Check to see if the puddle is water.
Chances are, if it’s a hot day and you just ran the air conditioning, that puddle is water. However, you can easily check that.
Dip a clean rag in the puddle. Do the sniff test. If there’s an odor, it’s not water.
Visually inspect the fluid on the rag. If there’s a color, it’s not water.
Slide some white cardboard under the car to tell what is leaking and where.
What if it’s not water?
If it’s not water, here are some common fluids that could be leaking from your car. Should you see any of these leaks, get them fixed as soon as possible.
Coolant (antifreeze) – Coolant comes in many colors, including green, orange, yellow, blue, greenish blue, pink or red. It may appear clear with a hint of color. It also will have an odor. If your radiator loses too much coolant, your engine can overheat. Leaks also are dangerous to pets. The sweet smell of coolant can attract them and it’s poisonous if consumed.
Gas – A fuel leak may look like water, but it will smell like fuel. It’s also highly flammable so be cautious when handling it. Fuel leaks usually happen due to a crack in the fuel tank.
Oil – If it’s light brown or black, and greasy, it’s probably engine oil. You’ll find this type of leak at the front end of your vehicle. If you suspect an oil leak, check your car’s dipstick. If it’s low, that confirms there is an oil leak.
Brake fluid – This type of fluid ranges from clear to yellow brow in color. You’ll find the leak near the wheels. It’s not safe to drive if you have a brake fluid leak. It may cause the brakes to fail.
Automatic transmission fluid – This fluid is pink to dark brown. It is a lubricant and a coolant. If you have this type of leak, driving your car could cause further damage.
Power steering fluid – Usually yellow or reddish brown in color, a power steering fluid leak will have a slightly sweet, burnt smell. Driving on low levels of steering fluid can cause lasting damage.
Windshield washer fluid – This comes in colors such as blue, purple, green, or orange. You’ll likely find the leak in the reservoir near the windshield. While a windshield washer fluid link won’t affect the car’s operation, it will impact your ability to drive in the rain.
Refrigerant Leaks
There’s also a possibility that the refrigerant from your air conditioning system is leaking. Refrigerant is colorless and can look like water. If refrigerant is leaking, it puts a strain on the compressor and reduces the air conditioner’s ability to cool down air.
Leaks can happen for a variety of reasons. These include a blockage in the drainpipe, the drain not being attached properly, air filters that are dirty or blocked or a broken drain pan.
Here’s how to diagnose a refrigerant leak:
Listen for a clicking sound. With less refrigerant, the compressor shortens its cycle. This creates a clicking sound, which is an early warning sign.
Look for a dashboard When refrigerant levels are low, there may be an early warning light.
The air conditioning stops working. If it’s blowing hot air, the refrigerant level is too low.
Air conditioning leaks inside the car
If your air conditioning drain tube becomes blocked, you may notice a buildup of water on the front carpets and mats of your car. That may mean you need to clean out the tube and remove any debris. This will allow condensation to flow freely. If the tube is deteriorating or damaged, or if the heater core is leaking, it requires a more extensive repair. If you suspect a clogged drain tube, try driving without the air conditioning. See if the dampness continues. If it does not, then you’ll want to get your drain tube checked out.
Your car is one of your greatest investments. Keep it well maintained and fully insured for added peace of mind. Safe travels.
This article is furnished by California Casualty, providing auto and home insurance to educators, law enforcement officers, firefighters, and nurses. Get a quote at 1.866.704.8614 or www.calcas.com.
