10 Fall Car Care Tips: Prepare Your Vehicle for the Changing Seasons

Because seasonal changes affect your vehicle in a multitude of ways, it’s important to prepare for the transition from summer to fall. You’ll want to keep up on regular vehicle maintenance, while also paying close attention to season-specific car care tasks.

Essential Fall Vehicle Maintenance Tips 

Check the Fluids

Checking your vehicle’s fluids is one of the most critical car care routines. The various fluids lubricate, cool, and perform other vital functions that help keep your car running and driving.

Take a few minutes to check the fluids under the hood, including the engine oil, coolant, and brake fluid. You’ll also want to check the automatic transmission fluid (if your car has a dipstick) and the power steering fluid (if your car has hydraulic power steering).

Warning: Never remove the cooling system cap when the engine is hot. Severe injury may result. Only check the coolant level and condition when the engine is cool.

Many vehicles also have assemblies, such as the differential and transfer case, that are located underneath the vehicle. You should check the fluids in these units regularly. If you have the know-how, you can safely raise and support the vehicle, then check the fluids yourself. You can also choose to have a professional do the job for you.

Inspect the Tires

We get it⁠—tires are about as exciting as an afternoon at the DMV. However, that doesn’t mean they should be ignored. Tires are super important because they affect the braking ability, handling performance, and overall safety of your vehicle.

Take a few moments to inspect your car’s tires to ensure they’re in good condition. First, you’ll want to check tread depth using a dedicated gauge. Take the measurement at three points across the tire: the outer tread, the center tread, and the inner tread.

If there’s 4/32” of tread remaining at any point, most professionals recommend replacing the tires. A tread depth reading of 2/32” or less indicates the tires are a safety hazard and should be replaced immediately.

You should also check the tire pressure with a dedicated gauge. When checking the pressure, ensure that the tires are inflated to the specification listed on the placard inside the door jamb. Do NOT set the pressure to the reading on the tire’s sidewall—that’s the maximum pressure.

If the pressure is too low, use an air compressor (or an air pump at the gas station) to add air. In the case that the pressure is too high, you can let air out of the tire by pressing down on the tip of the valve stem core with a pocket screwdriver.

Make Sure All of the Lights Work

Sadly, the long summer days will soon be coming to an end. Because nighttime comes earlier during the fall, you’re more likely to be driving when it’s dark out. Before that happens, get a friend to help you make sure all of your car’s exterior lights (including the brake lights and reverse lights) are working correctly.

A non-functional light usually indicates a burnt-out bulb. While replacing a bulb is usually a simple task, there are instances where the job can be difficult. For example, on some vehicles, the front fascia must be removed to access the headlight bulb.

Bulb replacement instructions can usually be found in your car’s owner’s manual. By reviewing the instructions, you’ll get an idea of whether the job is something you can handle on your own.

You can always have a professional change the bulb if the task seems too difficult.

Check the Wiper Blades

The fall season often brings rain and sometimes even snow. You’ll want to make sure your car’s wiper blades are in good shape to deal with these conditions.

To check the wiper blades, turn on both the wipers and windshield washers. A good set of blades should produce a streak-free sweep and leave the windshield clear.

Replace the wiper blades if they do not perform well.

You’ll also want to consider the washer fluid. There are winter blends, which are designed to resist freezing, and summer blends for warmer weather. When the temperatures start to drop, you’ll want to make sure you have a winter blend in your car’s washer fluid reservoir.

Inspect the Brakes

We don’t need to remind you of the importance of your car’s brakes, do we? You (or your mechanic) should check the brakes a least twice a year to ensure they’re in good condition. Right now, before the snow starts to fly, is the perfect time to take a peek.

How do you know when your brake pads are worn out? When there’s 4mm of friction material remaining, most professionals recommend replacing the brake pads (and usually replacing or resurfacing the brake discs). A reading of 3mm or less indicates the brake pads are a safety hazard and should be replaced immediately.

Make Sure the Heater is Working

If you’re like most drivers, you didn’t turn your car’s heater on at all during the summer. But soon, the weather will get cold and you’ll be pining for a warm cabin once again.

It’s a good idea to test your vehicle’s heater before the temperatures start to drop. Automotive heating systems rely on hot engine coolant, so if the heater is blowing cold air, you likely have a problem somewhere within the cooling system. For example, the thermostat may be stuck open, the water pump may be faulty, or the heater core could be clogged.

If you have the know-how, you can troubleshoot the problem yourself. Otherwise, you may want to have a professional diagnose and repair the issue.

Take Care of Any Outstanding Maintenance

Remember that booklet, called the owner’s manual, that’s buried in your glovebox? Dust it off and turn to the section that covers the manufacturer’s maintenance schedule⁠—you’ll find the suggested intervals for the routine services the automaker recommends.

Is your car due (or overdue) for service? Then take care of it now. Lack of maintenance is one of the most common—if not the most common—reasons for mechanical breakdowns.

Address Any Known Problems

Car problems left ignored often snowball into big-time concerns. For example, a leaking radiator hose can lead to a low coolant level, overheating, and catastrophic engine damage.

Ignoring issues can also leave you stranded on a chilly fall morning. Address any known problems now to prevent further headaches.

Store Classic Cars and Other Toys 

Most people put their classic cars and other toys into storage once summer is over. Of course, the best place to store your ride is in the garage. But if you don’t have access to covered parking, a car cover is the next best option.

Be sure to select the correct type of cover; some are designed for outdoor use, while others are for indoor use. Also, park the vehicle in a safe location that’s protected from the elements as much as possible.

Then, follow the product instructions to install and secure the cover.

Accessorize for the Season

You might start accessorizing for the fall season by picking up, say, a fluffy scarf or warm beanie. While you’re at it, don’t forget that you can also accessorize your car with practical upgrades, such as floor mats and seat covers.

Making the necessary adjustments to your vehicle whenever the season changes is one way to keep it around for a long time.

Source: https://www.carparts.com/blog/five-fall-car-care-tips/

Signs Your Roof Needs Repair

Your roof is one of the most important components of your home. It shields you from the elements and provides security and comfort. However, over time, roofs can develop issues that need attention. Recognizing the signs that your roof needs repair can save you from costly damage and ensure the longevity of your home. In this blog, we’ll explore the key indicators that it’s time to consider roof repairs.

  • Missing or Damaged Shingles:
    • One of the most obvious signs of roof trouble is missing or damaged shingles. Wind, hail, and weathering can cause shingles to crack, curl, or be blown away. If you spot any of these issues, it’s time for a closer look.
  • Water Stains on Ceilings or Walls:
    • Water stains inside your home are a clear indication of a roof leak. These stains can appear on your ceilings or walls and may signal a more significant issue that requires immediate attention.
  • Moss or Algae Growth:
    • While moss and algae might seem harmless, they can damage your roof over time. Their presence often indicates excess moisture retention, which can lead to decay and deterioration.
  • Sagging Roof Deck:
    • A sagging or uneven roof deck can suggest structural problems. If you notice dips or sags in your roofline, it’s crucial to have a professional assess the situation promptly.
  • Granules in the Gutters:
    • Asphalt shingles often shed granules as they age. If you find an accumulation of granules in your gutters or downspouts, it’s a sign that your shingles are deteriorating.
  • Increased Energy Bills:
    • A roof that’s no longer functioning optimally can lead to energy inefficiency. If you’ve noticed a spike in your energy bills, your roof’s insulation and ventilation might be compromised.
  • Daylight Visible in the Attic:
    • During a bright day, inspect your attic for any visible light coming through the roof boards. If light can penetrate, so can rain and moisture, indicating a problem with your roof’s integrity.
  • Rotting or Warping Wood:
    • Check for signs of rot or warping in the wood decking beneath your shingles. This can result from prolonged exposure to moisture and can compromise the roof’s structural integrity.

Ignoring the signs that your roof needs repair can lead to more extensive and expensive issues down the road. If you’ve noticed any of these indicators, it’s essential to consult a professional roofing contractor to assess the situation and recommend the appropriate repairs. Addressing roof problems promptly will help ensure the continued protection and longevity of your home.

Does Your Business Need Flood Insurance?

 Natural disasters can be devastating to businesses. While damage caused by some types of natural events—such as lightning or wind—will usually be covered by commercial property insurance, you need a special policy if you want protection from flood damage.

What is the definition of a flood?

A simple definition of a flood is an accumulation of water on normally dry land. The NFIP has a technical definition of a flood, which is as follows: A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is your property) from any of the following:

  • Overflow of inland or tidal waters
  • Unusual and rapid accumulation or runoff of surface waters from any source
  • Mudflow, which is defined as “A river of liquid and flowing mud on the surfaces of normally dry land areas, as when earth is carried by a current of water. Other earth movements such as landslide, slope failure, or a saturated soil mass moving by liquidity down a slope, are not mudflows.”
  • Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above

What are the common causes of flooding?

Floods can have a variety of causes, and floods can occur even in areas that don’t typically flood. Some of the common causes of flood include:

  • Storm surges after hurricanes
  • Heavy rain causing flash-flooding
  • Overflowing rivers or streams
  • Broken dams or levees
  • Mudslides due to heavy rain on hills or mountainsides
  • Fast melting snow, which can cause floods when the ground is frozen and unable to absorb water
  • Blocked storm drains, which may cause a flood even with moderate rainfall
  • New urban development which changes natural runoff patterns and reduces the ability of the land to drain properly

Does My Commercial Property Insurance Include Coverage for Flooding?

No. Damage from flooding, including flooding generated by hurricane-generated storm surge, typically is not covered under a standard commercial policy, including a Commercial Package Policy (CPP) or a Business Owners Policy (BOP)

Is Flood Insurance REQUIRED for my business?

Flood Insurance is not a requirement. However, if you own a business inside or outside of the high-risk flood area, you own a building or lease an office, you should consider purchasing flood insurance for the protection and peace of mind it brings. Many business owners, particularly those in high-risk flood areas, may be required to have flood insurance. If you have a mortgage from a federally regulated or insured lender you may be required to obtain flood coverage.

Whether your business is located in an area of common flooding or not, commercial flood insurance is worth exploring. Contact our agents at (352) 371-7977 or contact us so we can help you get started.

Sources:

https://www.iii.org/article/does-my-business-need-flood-insurance

https://disb.dc.gov/page/business-commercial-flood-insurance-coverage-faqs

The Importance of Conducting a Home Inventory for Renters Insurance

Renters insurance is an essential investment that can protect your personal belongings and provide liability coverage in case of accidents or damages. But to ensure you receive the compensation you’re entitled to, conducting a home inventory is important. Here’s why a home inventory is essential for renters insurance.

  1. Helps determine the right coverage amount.

A home inventory can help you determine the right coverage amount for your renters insurance policy. By creating a list of all your personal belongings and their value, you can ensure you have enough coverage to replace them in case of damages or theft.

  1. Provides proof of ownership.

A home inventory can provide proof of ownership for your personal belongings in case of a claim. It can help you provide evidence of the damaged, lost, or stolen items and their value. This can make the claims process smoother and ensure you receive the compensation you’re entitled to.

  1. Saves time and reduces stress.

Creating a home inventory may seem like a daunting task, but it can save you time and reduce stress in case of a claim. By having a comprehensive list of your personal belongings and their value, you can quickly provide the information your insurance provider needs to process your claim.

  1. Makes updating your policy easier.

A home inventory can also make updating your renters insurance policy easier. If you acquire new personal belongings or sell or donate items, you can update your inventory and ensure you have the right coverage amount for your policy.

  1. Helps you prioritize safety.

A home inventory can also help you prioritize safety in your rental unit. By creating a list of your personal belongings, you can identify potential hazards, such as overloaded electrical outlets or unstable furniture, and take steps to address them.

In conclusion, conducting a home inventory is essential for renters insurance. It can help you determine the right coverage amount, provide proof of ownership, save time and reduce stress, make updating your policy easier, and help you prioritize safety in your rental unit. Take the time to create a home inventory and ensure you have the protection you need for your personal belongings.

Summer Work Safety: Tips for Staying Safe and Productive While Working in the Heat

As the temperatures rise during the summer months, it’s crucial to prioritize safety while working outdoors or in hot environments. Exposure to excessive heat can lead to heat-related illnesses, which can range from mild heat cramps to severe heat exhaustion or even life-threatening heat stroke. Here are some essential tips for staying safe and productive while working in the heat:

  1. Stay Hydrated: Drink plenty of water before, during, and after your work shifts. Avoid consuming excessive amounts of caffeine or alcohol, which can contribute to dehydration. Keep a water bottle handy and take regular water breaks to stay hydrated.
  2. Take Frequent Breaks: Schedule frequent rest breaks in shaded or cooler areas to give your body a chance to cool down. Avoid prolonged exposure to direct sunlight, and take breaks in shaded areas whenever possible.
  3. Wear Appropriate Clothing: Choose lightweight, loose-fitting, and light-colored clothing that allows your skin to breathe. Wear a wide-brimmed hat and use sunscreen to protect your skin from harmful UV rays.
  4. Use Sun Protection: Apply sunscreen with a high SPF rating to all exposed skin, including your face, neck, and arms. Reapply sunscreen every two hours or more frequently if you are sweating heavily.
  5. Use Cooling Measures: Use cooling measures, such as misting fans, wet towels, or cooling vests, to help lower your body temperature. Take advantage of shaded or air-conditioned areas during breaks to cool down.
  6. Know the Signs of Heat-Related Illnesses: Educate yourself and your colleagues about the signs and symptoms of heat-related illnesses, such as dizziness, nausea, weakness, headache, cramps, and confusion. If you or a colleague experience any of these symptoms, take immediate action and seek medical attention.
  7. Work During Cooler Hours: Whenever possible, schedule physically demanding tasks during the cooler hours of the day, such as an early morning or late evening, to reduce heat exposure.
  8. Use Proper Equipment: Use appropriate tools and equipment designed for hot conditions and provide proper ventilation and insulation. Avoid using heavy machinery or tools that generate excessive heat without proper precautions.
  9. Buddy System: Implement a buddy system where workers can look out for each other and recognize the signs of heat-related illnesses. Encourage workers to monitor each other and seek help if needed.
  10. Training and Education: Provide training and education to workers about heat-related illnesses, prevention, and response strategies. Ensure workers are aware of the company’s heat safety policies and procedures.

Remember, heat-related illnesses are preventable with proper precautions and awareness. By following these tips, you can stay safe and productive while working in the heat during the summer months. Stay vigilant, take care of yourself and your colleagues, and make sure to prioritize your health and safety in the workplace.