Tips for maintaining, storing, and insuring your collector car

Tips for maintaining, storing, and insuring your collector car

Picture this. You’re driving through town in your 1969 Pontiac Firebird and everyone you pass is stopping and staring as you go by. Now if you want them to be staring because your collector car is in impeccable condition and not because your car squeals every time you touch the brakes, please take the time to make sure you’re taking proper care of your investment.

Maintenance and storage are incredibly important if you want your collector car to look like it just came off the line. Here are some maintenance and storage tips that could help:

Proper maintenance tips for your collector car

1. Make sure you’re getting regular tune-ups by someone qualified to work on the specific vehicle you have. Older vehicles should only be trusted to qualified technicians.

2. Make sure to wash your vehicle regularly as dust and dirt can hurt your paint job.

3. Try to drive your collector car at least once a month as your climate allows. A vehicle was made to be operated, and driving your collector car ensures that all the fluids are properly lubricating. You can also make sure it’s not overheating and the brakes are working correctly.

4. When parking your collector car, be sure to avoid parking on gravel or dirt. Doing so allows moisture to get into the car from the undercarriage and will cause the vehicle to degrade much faster than if it’s parked on cement.

Proper storage tips for your collector car

1. Make sure you fill your gas tank and have your oil changed before storing your car for the winter. You will also want to use a fuel stabilizer to guarantee your car is ready to go come spring.

2. Thoroughly clean your car inside and out before storing to ensure food particles left inside the car don’t attract animals and to avoid small scratches if all dirt has been removed from the exterior.

3. Use a cloth car cover, rather than a plastic one, to protect your vehicle. Plastic covers will trap moisture against your vehicle, which causes rust and corrosion.

4. Remove your spark plugs to ensure no moisture is trapped, as this will also lead to corrosion and rust.

Insurance Coverage

The most important storage and maintenance tip is to get proper insurance on your collector car. West Bend offers coverage on collector and antique vehicles as long as they meet our guidelines. We classify collector cars as vehicles that are more than 20 years old, and antiques as vehicles that were manufactured before 1950. Please contact your insurance agent for more information and to get a quote on your collector or antique vehicle.

Prepare your home for winter with this fall home maintenance checklist

Prepare your home for winter with this fall home maintenance checklist

For many, the fall season is a busy time of year. High school, college, and professional sports are in full swing. Kids are participating in homecoming festivities and many families are making trips to their local pumpkin farms. These activities don’t leave much time to get your home projects completed before the snow flies.

With the temperatures cooling down and the days getting shorter, now’s the time to prioritize your projects that need to be completed before winter settles in. Completing certain projects now can help you and your home survive winter while looking forward to the return of spring.

Here’s a list of interior and exterior projects to consider this fall.

1. Dispose of leaves. As a kid, I loved playing in the huge leaf piles in our yard, but I hated raking them. I always grumbled when my parents assigned this job to my brother and me. It did become more fun after my dad bought a leaf blower.

While raking isn’t fun, it’s best to get the job done now. Decaying leaves can ruin your lawn and make for a very messy job in spring. Check with your local city government to see if they offer a citywide leaf collection. If they do, this may make your job simpler. If this isn’t an option, check and see if your city’s Department of Public Works has a drop-off yard.

2. Clean your gutters. After all the leaves have fallen, clean out your gutters. Clogged cutters can lead to water damage due to backups or improper draining. They can also cause ice dams during the winter months. If you’re working on a ladder, make sure you have someone to keep it from moving. Also, make sure it’s the right ladder for the job. Avoid standing on the top or over-stretching. A sudden move could cause the ladder to kick out from under you. Lastly, think about what you want to do before making a quick move.

3. Inspect decks, patios, and porches. Remove debris, especially leaves, to prevent staining. Now is also a good time to clean outdoor furniture and prepare it for storage. Covering and storing it in your garage or shed is best. If that’s not possible, cover your furniture with a tarp and make sure it’s secured tightly. Winter winds can be brutal and can easily blow off your tarp. Lastly, secure loose handrails to help prevent guests from slipping and falling when entering or leaving your home during the holidays.

4. Remove garden hoses and shut off faucets. Putting away my hoses is always the last job on my list. There always seems to be one last cleaning project. If your hose(s) are stored in a covered reel, make sure you don’t forget to unscrew them from your faucet(s). Freezing temperatures can cause excess water in the hoses to expand, damaging the faucet and pipes. If you’ve turned off the water to exterior faucets in the past continue doing that. If you haven’t and have freeze resistant faucets, don’t touch them. Lack of use can cause the seals to become brittle. Turning them off now can cause them to leak into your home.

5. Remove or cover air-conditioning units. Removing air-conditioning units from your window is the best option for preventing cold winter drafts from entering your home. If removal isn’t an option, securely cover it with an insulated tarp. If you have a central air unit, consider covering it with a tarp to prevent rodents from using it as their winter home.

6. Properly store your gas-powered tools. One of the easiest things you can do is run your lawn mower out of gas. If you have leftover gas in your mower or gas can, consider adding fuel stabilizer. Adding stabilizer will prevent your gas from deteriorating over the winter months. If you add stabilizer to your lawn mower, make sure you run it for at least five minutes. Don’t forget about your other gas-powered tools such as trimmers, leaf blowers, and chainsaws.

Now is also a good time to have your blade(s) sharpened. When spring returns and the growing season starts, you’ll be ready to go.

Conversely, make sure your snow blower is filled with gas and it starts. A significant snowfall can sneak up on you quickly. If you’re experiencing problems, give your local small engine repair shop a call.

7. Inspect your home’s exterior. Walk around your home’s exterior looking for roof, siding, or foundation damage. If you find significant damage, contact your local contractor. Fixing the damage now can prevent it from getting worse.

8. Schedule a furnace inspection. Having your furnace inspected can prevent it from breaking down during the months you need it most. In addition, it can help prevent after hour service calls, which can cost a fortune. Lastly, replace your furnace filter. Replacing it regularly helps your furnace run more efficiently.

9. Have your chimney and fireplace inspected. Reading a book or drinking a cup of coffee by a warm fire is relaxing. However, every time a fire is lit creosote buildup can occur. Creosote is a residue that travels up your chimney and builds up on your flue. If that residue isn’t properly cleaned out, the chance of a fire igniting in your chimney increases. Many consider a creosote fire in the chimney one of the most dangerous fires a homeowner can experience; it can spread quickly and severely damage or destroy your entire home within minutes.

10. Clean dryer vents. Lint buildup occurs in your dryer over time, which leads to inefficiency. In addition, heating your home can cause it to dry out quickly. The dryness in your home increases static electricity. Increased lint and static electricity can lead to a fire. If your vent is accessible, take a good look to make sure it’s clear. If not, contact a professional to clean it.

Top ways new riders can stay safe

Top ways new riders can stay safe

Autumn is a great time of year to enjoy your new motorcycle license. Enjoying the vivid colors and sights of the season helps riders truly appreciate how this experience is simply different from riding inside a car. Unfortunately, that difference can also put new motorcycle riders at greater risk of harm during this time of year. Animals often jump out onto the road in front of vehicles during these months, and they can be harder to spot as the days get shorter. Car drivers may be protected in these instances; motorcycle riders, however, are at much greater risk of harm.

Riding a motorcycle may be a fun experience, but it can also be a risky one. Statistically, motorcycle riders are more likely to be injured in traffic collisions than drivers of other vehicles. This is primarily due to the fact that motorcycles offer less protection than cars, trucks, and other types of vehicles on the road.

This doesn’t mean you shouldn’t ride one. Although motorcycle accident statistics can be scary, they simply show it’s extra important to exercise a certain degree of caution when operating your bike. If you’re a new motorcyclist, it’s particularly important that you understand how to keep yourself safe on the road. The following tips will help.

Don’t drink and drive

Obviously, you should never operate a vehicle while under the influence of alcohol. That said, it’s worth noting that motorcycle riders tend to be vulnerable to accidents at lower BAC levels than car drivers. Thus, it’s clear that there’s no safe amount you can drink if you plan to ride a motorcycle while the alcohol is still affecting you.

Keep a safe distance

Again, motorcyclists are more likely to be injured in traffic collisions than other drivers because they don’t have the structure of a larger vehicle protecting them. That’s why it’s important to constantly maintain a safe distance between yourself and other vehicles when operating a motorcycle.

Don’t expect other drivers to see you

Unfortunately, one of the best ways to stay safe on the road is to assume that other drivers are distracted. Distracted driving is on the rise due to the ubiquity of cell phones. Additionally, because motorcycles are relatively small vehicles, they’re harder to spot on the road. Driving defensively and assuming other drivers aren’t paying attention will help you avoid dangerous situations.

Obey posted speed limits

Don’t give in to the temptation to ride your motorcycle faster than the posted speed limit. It’s always unsafe to exceed these limits. On a motorcycle, when you’re less protected than other drivers, it’s particularly dangerous.

Wear a helmet

You’re much more likely to sustain major injuries in a traffic collision if you don’t wear your helmet. Wearing it at all times when operating a motorcycle is crucial.

Be careful around turns

Motorcycle accidents are particularly common on curves and bends in the road. Thus, it’s important to exercise additional caution when driving around turns and on curvy roads. Reduce your speed if you know a turn is coming up.

Again, while the appeal of a motorcycle is easy to understand, properly operating one is also a major responsibility. Keep these points in mind and you’ll keep yourself safe out on the road.

Five high-tech ways to reduce fire risk

Five high-tech ways to reduce fire risk

House fires are something most homeowners live in fear of, but today’s technology can help you ensure the safety of you, your family, and your home. Here are five high-tech ways you can reduce fire risk.

1. Install smart smoke detectors for added efficiency and convenience.

Traditional smoke detectors excel at one thing in particular: beeping at the least convenient times. They also rely on older technology to detect the presence of smoke. While this doesn’t mean these traditional devices are inefficient or faulty, a smart smoke detector can offer a number of benefits that put it head and shoulders above traditional models.

Smart smoke detectors send alerts to your smartphone when they detect smoke. If they’re part of a full home security system, they’ll also notify the authorities. These devices can link to the rest of your home and perform other actions, like flashing your smart lights. Imagine if your home security cameras activated when smoke was detected, so you could discover the cause of the fire!

Some models of smart smoke detectors have built-in carbon monoxide detectors, too. If the detector picks up a cooking experiment gone wrong, you can silence it with the press of a button. Most smart alarms also send push notifications when the battery is low, instead of the ear-shattering chirp of traditional smoke alarms.
2. Install smart batteries to make your old smoke detectors more efficient.

A smart smoke detector can be a big boost to your home’s fire safety, but you might not want to replace every single smoke detector. After all, the costs can add up. The next best option is to install smart batteries in your existing detectors. Smart batteries are inexpensive alternatives to more complex smart home systems.

Rather than beeping when the battery is low, a smart battery will send a notification to your smartphone. If one alarm goes off, it can be set to trigger the other alarms with smart batteries. You can connect your alarms together like this to better secure your home against fires.

3. Turn appliances off remotely with smart plugs.

How many times have you felt your stomach drop when you can’t remember if you turned off the iron? According to the United States Fire Administration, 9.6 percent of all home fires in 2016 were caused by an electrical malfunction. Appliances that generate a lot of heat or use higher amounts of power bring a greater risk for fires.

Smart plugs allow you to flip off the power to your appliances from your phone, whether you’re at home or at the office. If you plug your more hazardous appliances (e.g. irons, hair straighteners, etc.) into the smart plug, you don’t have to worry whether you turned them off. You can check your phone to find out whether the plug is providing power, and if so, you can flip it off.

4. Prevent cooking fires with smart stovetops.

Too many house fires occur because homeowners walk away while something is on the stove. It’s understandable; after all, a watched pot never boils, and if you have to let something simmer or boil for several hours, watching it could take a while. But if the stovetop flares and no one is around to stop it, fire can easily spread throughout the home.

Smart stovetops have built-in heat and motion sensors. If no one is detected in the kitchen for a pre-set amount of time (usually around 15 minutes), then the device automatically shuts off the stovetop to reduce the risk of fires. It can also detect sudden increases in heat and shut off the stovetop if it senses a fire.

If you’re worried about it interrupting the meal, there’s no need to. Just check on the dish every few minutes; as soon as the motion sensor detects motion, it resets the countdown.

5. Link your entire system together for maximum efficiency.

A smart home system should not be a walled garden. Smart fire detectors, alarm systems, batteries, plugs, and other devices should all be connected to one another through a smart home hub, like one provided by your local Internet company. When one sounds an alert, the others should too. Imagine if your smoke detector identified carbon monoxide in the air and sent a signal that caused your smart lights to flash. Even if you didn’t hear the siren, the lights would warn you. You would also receive a notification on your smartphone.

Ensuring your entire smart home system works together, whether through the same connection protocol (like Z-Wave or Zigbee) or through the use of a smart home hub will give you the most efficient system possible.

By spacing smart home devices around your home, you can give yourself the most warning possible if there is a fire, and you can reduce the chances that a fire will happen in the first place. When it comes down to it, you want to know if a fire starts so you can protect what’s most important: yourself and your family.

Keep your chimney in shape by having it inspected

Keep your chimney in shape by having it inspected

As the days get shorter, and the leaves start changing, you may be tempted to light a fire in your wood burning fireplace. While it’s enjoyable to sit and relax by a nice, warm fire, if you haven’t had your chimney inspected or cleaned this year, I would recommend holding off.

September 30 – October 6 is National Chimney Safety week. On average, 20,000 chimney fires occur in the U.S. each year. With proper inspections and cleaning, these fires can be prevented.

Neglected chimneys can destroy your home or injure your family. While some chimney fires burn wildly out of control, others can burn discretely without you ever knowing.

Here are some signs of a chimney fire:
Loud crackling and popping noise;
Dense smoke;
A strong hot smell; and
Loud rumbling sound.

Slow burning chimney fires may not be visible, but still can cause damage to your chimney or home.

Here are visible defects indicating you’ve had a small chimney fire:
Warped metal;
Cracked or collapsed flue tiles;
Damaged roofing material;
Cracks in exterior masonry;
Pieces of creosote on your roof; and
Smoke seeping through mortar joints.

An inspection by a certified and reputable company will be able to explain what’s going on with your chimney.

Understanding what causes chimney fires is the best medicine for keeping your family safe:

1. Creosote buildup. Creosote is a residue that travels up your chimney and builds up on your flue over time. In fact, some creosote builds up every time a wood burning fireplace is lit. If that residue isn’t properly cleaned out, the chance of a fire igniting in your chimney increases.

2. Clay flue liner defects. Over time, liners can crack allowing hot gases to escape. If the hot gases enter into the home, it can cause nearby framing to ignite.

3. Improper maintenance. Cracked cement in and around the fireplace can cause hot gases to escape as well.

4. Improper installation. Proper installation is critical to keeping your family safe. The National Fire Protection Association, fireplace manufacturers, and the venting manufactures have recommended guidelines for safe and proper installation.

5. Other causes. Fires can start for a number of additional reasons such as:
Too much wood in the fireplace;
Faulty igniter or connections;
No grate;
Damaged damper;
Bird nest or debris buildup; and
Low hanging tree branches.

If you enjoy a gas fireplace, here are a few things to check annually:
Inspect the glass for cracks;
Inspect the latches to make sure they still securely hold the glass;
Make sure the logs haven’t shifted;
Make sure the gas shut-off valve stops the flow of gas and test the igniter; and
Inspect the burner for clogged holes. If a burner hole is clogged, turn off the gas and clear the obstruction(s) with a pin or small needle.