Three Signs That You May Have a Slab Leak

Slab leaks are a common problem in Orange County, California homes. Depending on whom you ask, there are various reasons for this. Organic matter and other soil minerals can wear away at the copper pipes buried in the concrete slab foundation. Others blame the water district and the additives in our tap water, which could erode the pipes and cause them to fail. And others say high water pressure is the main culprit.

Whatever the truth is, or possibly a combination of all these and other factors, suffice it to say that water damage caused by slab leaks are the most common home insurance claim type I see in my business.  And while slab leaks can flood your homes and cause costly damage, they can also go undetected for a month or more.  Sometimes leaking water simply drains down into the slab and soil, and you never see damage inside your home at all. Here are three signs to watch out for. Any of these could indicate a slab leak.

  1. Water heater making more noise than usual, or you notice it running late at night. Slab leaks are almost always a hot water line.
  2. A warm spot under your carpet or hard floor.  The hot spot can even be in a straight line and extend many feet.  The water is simply pooling alongside the length of pipe, inside your slab.
  3. Obviously an unusually high water or gas bill should be investigated immediately.

As I’ve mentioned in the past, one method of prevention is to regularly test your water pressure. And also learn where the water shutoff valves are in and around your home.
slab leak water shutoff
If you have any questions regarding water damage or claims related to slab leaks, please contact me.

(949) 436-0740

Farmers Says YES to Teen Auto Insurance Discounts

teen auto insurance discountsYoung drivers are typically expensive to insure. They do not have years of driving experience, and as a group, they are more likely to make poor decisions. However, Farmers says YES to teen drivers and YES to teen auto insurance discounts! YES stands for You’re Essential to Safety and the Farmers YES program can provide a discount of up to 30% on an auto insurance premium for a teenage driver.

You or your teen can join the Farmers YES program in 3 simple steps:

1. Watch this video about the dangers of drinking and driving.

2. Review the Farmers Wrecked Handbook.

3. Fill out the Certificate of Completion. The certificate can be faxed to me, and I’ll set up the discount on your policy right away.

In addition to the YES program, Farmers also offers a Good Student discount for full-time high school or college students between the ages of 16-24. 

For information on teen auto insurance discounts, or to sign up for any of the programs above, contact me.

Your friendly Farmers agent, Pavel

(949) 436-0740

Foremost Insurance for Your Specialty and Off-road Vehicles

foremost insurance
Foremost Insurance is one of the largest specialty lines insurance carriers in California and the United States.  A member of the Farmers Insurance Group of Companies, Foremost offers a wide range of products including:

  • boat or watercraft insurance
  • dune buggy insurance
  • golf cart insurance
  • manufactured home/mobile home insurance
  • motorhome/RV insurance
  • motorcycle insurance
  • off-road motorcycle insurance
  • scooter and moped insurance
  • snowmobile insurance
  • travel trailer insurance

And did you know that by adding a Foremost Insurance policy, your Farmers policies can decrease by 5%? Please contact me with questions about coverage or discounts or to get a quote for your specialty vehicle under Foremost Insurance.

Farmers Auto Insurance Discount for Seniors

auto insurance discount for seniorsFarmers Insurance offers a significant auto insurance discount for seniors. The Senior Defensive Driver Discount is available to customers over 55 years old who complete an online safety course offered through AARP.

The online safety course costs $15 and takes a few hours to complete. A certificate of completion will be sent to Farmers from AARP and the Senior Defensive Driver Discount will be applied to your policy, it’s that easy! The discount results in about 10% savings annually on auto insurance or motorcycle insurance premiums.

Other insurance discounts are available to  seniors as well, such as the California Good Driver discount, Affinity discounts, and multi-line policy discounts. Please call me if you have any questions or would like more information on this auto insurance discount for seniors.

7 Driving Tips to Save Gas

Ten four, back door. Put the pedal to the metal and let it roar.
~ Cledus Maggart and the Citizen’s Band

Not so much anymore — gas is too expensive, and so are traffic citations. Today we are looking for ways to save money at the pump and modifying our driving habits may help. Why? Good driving habits typically translate into more efficient fuel consumption. But did you know you can potentially boost the overall fuel efficiency of your car as much as 30 percent?

Here are some driving tips to save gas:

  • Perform routine maintenance — Stay on schedule with oil and filter changes and tune-ups. Your car needs the right proportions of air and fuel to run efficiently.
  • Monitor tire pressure — Not only are they dangerous but under-inflated tires tend to decrease mileage.
  • Combine short trips — Warm engines run more efficiently than cold ones so combining short errands into one trip may save gas and time.
  • Avoid aggressive driving — “Jack-rabbit” starts and hard braking can increase fuel consumption by as much as 40 percent and reduce travel time by only four percent.1 Not a good trade-off.
  • Drive at moderate speeds — Stay at or under the speed limit and drive at a consistent rate of speed. Try to use cruise control on long trips.
  • Travel light — Extra weight in the car creates a drag on the engine and consumes extra gas.
  • Avoid excess idling — Idling uses a surprising amount of fuel — more than restarting the engine.
  • Ride share — When possible, car pool with others to save fuel.
  • Walk more, drive less — Approximately 50% of car use is for trips within 3 miles of the home so consider biking instead for some of these short hops (source).  Or drive to a central location and walk to all of your errands. You’ll be saving fuel, reducing pollution, and perhaps skip a trip to the gym.

Bottom line: Slowing down is the easiest way to cut your fuel bill, and coupled with some of the simple gas-saving tips above you could potentially save hundreds of dollars and reduce gas emissions and other pollutants. Slow down.


Travel safely. Your friendly Farmers agent,