Noises You Shouldn’t Ignore in Your Home

by California Casualty | Helpful Tips, Homeowners Insurance Info | 1 comment

Is your house trying to tell you something? From mysterious knocks to unsettling creaks, the noises in your home could be more than just background sounds—they might be early warnings of bigger issues. Listen closely, because ignoring these whispers from your walls could cost you more than a good night’s sleep.

Heating and Cooling Systems

Unusual sounds from your HVAC (heating, ventilation and air conditioning) system might mean that it’s struggling. Get these issues checked before you lose heat during the frigid winter months or cooling relief during the hottest time of year.

• Squeaking or Squealing: Bearings in the motor may need oiling or a piece could be broken. You also could have a worn-out or misaligned fan belt. Ignoring this sound can lead to motor failure, so address this soon.
• Whistling: This could be the sign of air leaks in the ductwork or a dirty air filter. Try replacing the filter first and see if the sound disappears. Filters should be replaced every three months.
• Grinding: Moving parts aren’t operating smoothly or it could be worn-out bearings in the motor. Get that checked out.
• Popping: This can indicate moisture or a clog in the gas line. It also could be expansion or contraction of the ductwork, especially when turning on the heat.
• Clanking or Banging: This happens in air handlers or furnaces due to rusted or chipped metal, or soot buildup.
• Clicking: A malfunctioning electrical relay could create a clicking sound.
• Boiler Knocking: The circulation pump may be failing.
• Hissing: This could signal a leak in the refrigerant line, or there could be an internal valve leak. The compressor pressure also could be too high.
• Gurgling: You could be low on refrigerant or have a coolant leak.
• Booming: There could be airflow issues where the ducts connect.
• Buzzing: This sound could be caused by loose wiring, a failing motor, or capacitors that are malfunctioning.
• Rattling: There may be loose parts within your unit, such as screws or fan blades.

Appliances

Unusual noises from appliances with motors might mean a mechanical problem. Homeowner warranties usually cover this type of issue.

• Humming Dryer: Your clothes dryer could have an object caught in its blower.
• Buzzing Refrigerator: The refrigerator could have an ailing compressor.
• Grinding Dishwasher: If your dishwasher sputters or grinds, something could be stuck in its chopper blade.
• Popping or Rumbling Water Heater: Water heaters operate almost silently, so if you hear sounds, don’t ignore them. Popping or rumbling could be due to sediment buildup on the bottom. It means it’s struggling to operate and might fail. You may need to flush the inside of the tank.
• Noises from Gas Appliances: Don’t wait on gas appliances that are making noises. This may indicate a leak that could be serious.

Plumbing and Pipes

You want your plumbing and pipes to work properly. Water can cause significant damage if problems aren’t addressed in a timely manner.

 Clanking: This sound could be a steam radiator that is not draining properly. It also could indicate a loose pipe. Get that fixed, as loose pipes moving around could lead to burst pipes.

• Banging or Thumping: This is caused by water changing direction or being brought to a sudden halt. Usually, it doesn’t cause problems, but the sound can be annoying. You can buy a water hammer arrestor for appliances that reduce the noise.
• Gurgling Toilet: This could indicate a plumbing backup somewhere. It could be a partially clogged drain, a problem with the flush value, a buildup of sediment in the tank, or inadequate venting in the plumbing system. You will want to call a plumber sooner than later.
• Dripping: Water leaks inside a wall can lead to mold or mildew and can destroy insulation. Try to isolate where the dripping sound is coming from. Get professional help as needed.
  • Water Loss Test (water meter): If you cannot find the leak, try a water loss test. Look at the water meter and write down the reading. Stop all use of water in your home for 30 minutes. Do not flush the toilet or use the sink, tub, shower, dishwasher or washing machine. Turn off the ice maker and sprinkler. Then check the water meter at the end of the half hour. If the reading is unchanged, you do not have a leaky pipe. You could have a leaky toilet or appliance.
  • Water Loss Test (well water): If you have well water, you won’t have a water meter to check. Stop all water use and stand near your water pump for 30 minutes. Listen for clicking sounds from the pump which could indicate a water leak.

Lights and Outlets

The lights and outlets in your home are connected to the electrical system. When components of this system fail, it not only is frustrating but could be dangerous.

• Humming, Buzzing, Hissing, Crackling or Popping (light switches and outlets): Buzzing is the sound of electricity arcing across a bad connection. If you hear buzzing from your light switch or outlet, or a hissing/crackling/popping sound, stop using it immediately and call an electrician.
• Humming, Buzzing, Whining (bulbs or dimmers): If a fluorescent bulb is making the noise, it means a ballast likely needs to be replaced. That is the part that controls the voltage to the bulb. If the dimmer is making the noise, replace it. You can also try changing the bulb as some bulbs work better with dimmers.

Walls, Ceilings & Windows

Unexpected sounds from above or behind the walls might mean unwanted guests. Noises from your windows could signal hidden openings. Both could translate to expensive repairs if not addressed.

• Skittering: This is the sound of critters in your home: raccoons, squirrels, birds, and even insects. The longer they are there, the more damage they can do, from chewing through wiring and insulation to giving birth to babies. When these animals die in your walls, they also cause an awful lingering odor. Take note of when you hear the sounds. Rodents are nocturnal. Call an exterminator. Be sure to search and seal the openings that allowed critters into your house or more could follow.
• Buzzing: If you hear a buzzing sound in your walls, it could indicate a colony of bees making their nest there. Carpenter bees are especially known to do lots of damage by burrowing in your wood. Contact a professional pest removal service to safely get rid of this hazard.
• Creaking and Squeaking (floors): These sounds could be the house settling, or they could be caused by temperature changes that result in the wood boards rubbing against each other. However, when the squeaking is accompanied by sagging or gaps in the floor, you will want to consult a professional.
• Whistling (windows): Whistling sounds could point to improper installation, worn weather stripping, or poor seals. Check the seal around your windows for signs of wear, and caulk or reseal as needed.
• Rattling (windows): Something is not fitting quite right if you hear rattling. Get it checked out as this could lead to cracks in the glass.

Your home is your greatest investment. Keep up with winter home maintenance and protect your home with the right insurance 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.

Home Security Tips

by California Casualty | Helpful Tips, Homeowners Insurance Info | 1 comment

There’s no place like home. It’s where life unfolds, memories are made, and your most treasured belongings reside. Protecting it means safeguarding not only your possessions but also your sense of security. From simple habits to smart upgrades, here are some practical tips that keep your home safe and your peace of mind intact.

Secure your doors and windows.

Your doors and windows are the primary entry points to your home, so it’s essential to ensure they only welcome invited guests. Here’s how to keep them secure.

• Check and maintain locks: Regularly inspect locks on doors and windows. Repair or replace any that are broken or show signs of wear.
• Lock up when you leave: Always keep doors and windows closed and locked when you’re not at home to deter unwanted visitors.
• Install window alarms: Affordable, adhesive window alarms are a simple way to deter burglars. These devices emit a loud sound if tampered with, scaring off potential threats.
• Enhance front door visibility: Ensure you can see who’s at your door without opening it, whether through a peephole, camera, or nearby window. This reduces the risk of letting in uninvited visitors.

Light your home inside and out.

Lighting isn’t just about setting the right mood—it’s also a powerful tool for keeping your home secure.

• Illuminate the exterior: Ensure outdoor areas like entryways, driveways, and pathways are well-lit to make your property less appealing to unwanted visitors.
• Use layered lighting: Combine porch lights, path lights, and landscape lighting to eliminate dark spots around your home, making it harder for anyone to hide.
• Install motion sensor lights: These lights activate with movement, startling potential intruders and drawing attention to their presence.
• Automate your lighting: Use a smart device or timer to turn lights on and off when you’re away. This creates the illusion that someone is home.

Landscape your yard with safety in mind.  

Take a look at your landscaping. Are there spots where intruders could hide, or easy access points like tree branches that could lead to an upstairs window?

• Clear overgrown areas: Remove any dense bushes, tall grass, or other overgrown spots that could provide hiding places near your home.
• Trim trees: Ensure tree branches are cut back so they don’t offer a foothold to access upper windows or levels.
• Secure your outdoor valuables: Make sure that your grill, lawn mower, and bicycles are out of sight. Lock your shed and your garage.
• Walk your property: Approach your home as if you were a stranger. Look for areas where an intruder could observe your comings and goings without being noticed. Take action to eliminate those hiding spots.

Invest in a security system.

A professionally installed security system not only deters burglars but also alerts authorities in the event of a break-in.

• Keep your alarm panel hidden: Avoid placing your alarm panel in view of the outside, where someone could see you arming or disarming it.
• Test your system regularly: Ensure your security system is functioning properly by testing it periodically.
• Address faulty alarms: If your alarm goes off frequently for no reason, that can cause it to be ignored. Have it repaired. Then tell your neighbors it is fixed.
• Advertise your security system: Display a window sticker or lawn sign to let potential intruders know your home is protected.

Don’t advertise to potential intruders.

Sharing certain information or leaving items visible can attract burglars and provide them with the perfect opportunity to strike. Protect your home by taking these precautions.

• Keep valuables out of sight: Avoid placing valuable items where they’re visible from the street, such as near windows or in open garages. Keep your most important items in a safe.
• Secure garage windows and doors: Frost or cover garage windows to prevent anyone from peeking inside and always keep the garage door closed when not in use.
• Be cautious on social media: Avoid posting about recent purchases. Don’t share vacation photos while you’re away.
• Avoid obvious signals: Never leave notes on your door indicating you’re not home.
• Don’t leave spare keys outside: Common hiding spots like under a planter or welcome mat are the first places burglars will check. Instead, leave a spare key with a trusted neighbor or friend.

Don’t have packages on your porch.

Porch pirates are a common danger in many neighborhoods, but a few simple steps can make it harder for them to steal your deliveries.

• Choose secure delivery locations: Have packages delivered to a secure pickup location or a locker if possible.
• Request signature confirmation: Require a signature for delivery to ensure someone is home to receive the package.
• Disguise your disposal: Avoid leaving branded boxes from expensive items, like TVs, in your trash or recycling where they’re visible. Break them down and conceal them to avoid drawing attention.

Establish a home safety network.

Do the things you need to do on a regular basis to check in on security for your home and your area.

• Get to know your neighbors: Build a network of trust by watching out for each other’s homes and reporting any suspicious activity.
• Connect with local police: Ask local law enforcement about past incidents in your area so you can take precautions against those types of incidents.
• Plan for when you are away: Stop mail deliveries or ask a trusted neighbor to collect your mail, newspapers, etc. Arrange for services like lawn care, snow removal, or garbage pickup to make your home appear occupied.

Finally protect your home and your belongings with the right insurance, including personal property coverage. Taking these steps gives you peace of mind and ensures your home is protected no matter where life takes you.

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.

Critter-Proofing Your Home for Winter

by California Casualty | Helpful Tips, Homeowners Insurance Info | 0 comments

As the temperature drops, uninvited guests may view your home as the perfect winter retreat. Small critters like mice, squirrels, bats, and raccoons are experts at finding cozy nooks to ride out the chill. But don’t worry—keeping your home critter-free this winter is easier than you think. With a few simple steps, you can secure your space against these furry invaders and avoid the damage and mess they can bring.

Ready to critter-proof your home? Let’s get started!

Steps to Take Outside

Animals live outside and you would expect them to be there. However, you don’t want them nesting so close to your home that they may be tempted to venture inside.

• Trim landscaping. Keep shrubs close to the house well-trimmed so there are not places for them to build a home. Trim your trees so squirrels won’t be able to easily jump from there to your roof. Avoid using wood chips as mulch, as these make wonderful nesting material.
• Store firewood safely. Firewood can be a cozy hideout. Place logs at least 20 feet away from your house. Not only will that keep critters farther away, but the distance will also help protect against a fire risk. Keep the wood at least 18 inches off the ground to reduce the chance of rodents seeking shelter there.
• Remove food sources. Food is a major draw for animals. Place bird feeders away from your home and use squirrel guards to keep unwanted visitors out. Store food in sealed containers, and ensure garbage cans are securely closed and inaccessible.
• Secure decks and porches. The spaces beneath decks and porches are prime nesting spots. Look for signs of activity like gnawed wood, droppings, or burrow holes. Animals prefer dark, quiet areas, so deter them with a combination of radios, flashing lights, and apple cider vinegar-soaked rags. Once the critters leave, block openings with decorative lattice, burying the bottom edge to prevent reentry.

A note: Groundhogs who burrow under concrete slab, deck, porch are hibernators. You do not need to worry about them in the winter. They will not bother anything. However, during the springtime, you can use some of the above actions to get them to leave. Mylar windmills that move with the wind also will frighten them away.

Steps to Take in the Garage

Your garage is the midpoint between the outside and your house. Due to its proximity to your home, and the amount of stuff you probably store there, it could be inviting for critters.

• Seal openings. Garages offer shelter that is relatively warm, dry and protected from the elements. It’s no wonder critters want to be there. They don’t need a lot of space to get inside. Mice can enter in a ¼ inch gap. Check your garage for any openings. Caulk and fill in any cracks. Install a garage weather seal to close the gaps at the bottom of the doors.
• Clear the clutter. Critters do not like being out in the open. They are seeking cozy spaces where they can hide. This includes behind boxes, under shelves, beneath insulation, inside old tires, and so on. Remove any unnecessary boxes. Use plastic bins with tight lids so they can’t get inside. Raise items off the floor as a further deterrent.
• Eliminate food sources. Don’t keep trash or store food in your garage. Animals can smell a food source. If you must keep food in your garage, seal it in a container that will help prevent the scent from being detected.
• Insulate cavity walls. If your garage has cavity walls, you may find them make great homes for smaller animals such as mice. Consider filling them with a spray foam insulation. Not only will it help prevent critters from nesting there, but it will keep your garage warmer. Pro Tip: Choose a foam that includes rodent repellent.

Steps to Take in the Attic and Chimney

Both attics and chimneys are popular places for critters to nest. They are often easily accessible to the outside, and like garages, they offer protection from the outside elements. They also are generally dark and quiet, something critters enjoy.

• Check for signs of critters. Listen for noises. Look for droppings or urine stains and for damage such as chewed wood or ripped ventilation ducts. If you suspect that there are animals, take steps to remove them safely. Your local wildlife organization or a professional exterminator are good resources.
• Seal entry points. Animals enter your attic through small openings. The easiest way to check is to look during daylight, and see the places where light is coming in. Common spots are by attic vents, and openings in your roof soffits or eaves. Take steps to seal those openings. For attic vents, put a screen to cover the entire vent using ½ inch mesh. Use gutter guards on your roof to keep critters from settling there.
• Install chimney covers. These mesh screens allow airflow while blocking access to birds, squirrels, bats and other animals. In addition, make sure your chimney damper is properly closed when you’re not using your fireplace.

Steps to Take Inside

Your home is a warm, comfortable sanctuary for you, but it can also be an inviting retreat for unwelcome critters. With countless hiding spots, from behind your walls to under your cabinets, pests can easily find cozy nooks. The key to keeping them out is vigilance and preparation.

• Inspect every room. Conduct a room-by-room inspection to identify potential entry points. Focus on areas where gaps might exist along your floors, under cabinets, or around doors. Pay close attention to places where wires, pipes, or vents penetrate walls; even a tiny ¼-inch gap is enough for a mouse to slip through. Use caulk or sealant to close these gaps and consider plugging larger holes with steel wool, as rodents find it difficult to chew through.
• Secure doors and windows. Install or upgrade weather stripping around your doors and windows to seal off any openings. For exterior doors, consider adding a sweep or brush strip to block even the smallest gaps at the bottom. These simple steps help keep pests—and drafts—out.
• Examine vents and exhausts. Check your dryer vent, stove exhaust vent, and other external openings. Birds and small animals often see these as perfect nesting spots. Install vent covers or screens to prevent intrusions while maintaining proper airflow.
• Store food properly. Avoid leaving food out in the open, including pet food. Store all pantry items in sealed, airtight containers. This not only deters pests but also keeps your food fresher for longer.
• Try natural deterrents. Use the power of scent to repel pests naturally. Peppermint oil, for instance, is a proven deterrent for mice. Soak cotton balls in essential oil and place them near suspected entry points or in areas prone to critter activity. Replace them regularly to maintain their potency.

Your home is your greatest investment. Keep up with winter home maintenance and protect your home with the right insurance 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.