The Adjuster Paid $1,240 and Told Me to Buy Mothballs
Jun 24, 2026 By Bo Trumbo
Mice spent the winter in my stored 2002 Corvette and chewed nine inches of wiring harness. The shop wanted $1,490 and pitched financing. My policy's other-than-collision coverage paid $1,240 after the deductible, and the adjuster's storage advice cost nothing.
The Adjuster Paid $1,240 and Told Me to Buy Mothballs

Saturday, March 14, 9:20 in the morning, storage unit 118, and the roll-up door was halfway up before I smelled it, that warm dusty sweetness of a nest where a nest has no business being. The Corvette sat under its cover like it had been waiting up for me. Nine inches of wiring harness behind the air box had become spaghetti. The latch was cold thru my gloves.

Here was the spring arithmetic, unwrapped in order. The club's season opener was May 2, seven weeks out. The shop's estimate for the harness splice and connector pigtails ran $1,490, and their finance desk had a 12-month plan that required a hard pull to even quote. My deductible sat at $250. Somewhere between a $1,490 bill, a May deadline, and a car that would not crank, I made a phone call I almost skipped.

The adjuster, a woman named Dana, stayed on the line past the claim number and the policy questions, and then she said four words I wrote on the claim folder in pen: buy mothballs, not sheets. Not dryer sheets. Mothballs. That sentence saved me more than the check did, and I intend to prove it.

unit 118, first Saturday of spring

Every March I uncover the Vette the same way: cover off, doors up, battery on the charger overnight, one short crank to hear the engine clear its throat after four months of storage. This year the dash lit up like a slot machine and the starter clicked once, twice, then chose silence. Pop the hood, follow the smell. Find the spaghetti.

the nest behind the air box

Behind the air box, tucked into the warm pocket where the harness runs, sat a nest the size of two fists, built from insulation fluff, sunflower seed shells, and, I am not inventing this, shreds of dryer sheet, pink ones, placed there by the previous owner as mouse prevention. Dryer sheets smell like something. To a mouse they apparently smell like furniture and a building permit. Beside the nest lay nine inches of harness chewed to copper, three connectors gone entirely, and one acorn wedged into a relay socket like a rude little cork.

the shop's 12-month plan

The specialty shop quoted $1,490 and pitched the plan twice, twelve months same as cash, applications take five minutes, just a quick hard pull on my credit score to see the offer. A hard pull, against a 792 credit score I have guarded since a bankruptcy in 2016, to finance rodent damage on a twenty-four-year-old car. No. I was not putting a wiring harness on a personal loan either, which was the desk's fallback pitch. I hashed out the repair scope with the service writer Monday morning instead, and the checkbook came out on its own terms.

the claim number, then four words

I filed the claim by phone on Sunday and Dana came out to unit 118 on Wednesday with a flashlight and a genuine fondness for old cars, poking at the chewed harness the way a doctor reads an X-ray. Approved, she said, rodent damage, other-than-collision, no fault involved. Then she capped her pen and gave me the part they do not print in brochures. Buy mothballs, not sheets. She has seen four hundred nests, she said, and half of them were upholstered in dryer sheets.

other-than-collision, the words that paid

Most people say full coverage, but the line that paid is other-than-collision, and it applied cuz a mouse is not a crash, it is a disaster with whiskers. Vandalism, weather, falling branches, rodents: the not-driving perils live on that line. Rodent damage sits there as a covered peril on my policy, one page below the parts people actually read. I had owned the Vette eleven years and absorbed this at fifty-one. Read your declarations page. It is cheaper than a harness.

$250 deductible, $1,240 paid

The math landed clean: $1,490 repair, $250 deductible, $1,240 paid by the carrier directly to the shop, check issued March 26, car finished April 3, first crank and a smell of new solder under the dash. No surcharge followed. The renewal quote arrived May 20 and the premium had not moved off $986, not a cent, cuz a rodent claim is not a collision claim and my carrier prices them differently. The credit score stayed 792. The checkbook stayed shut.

a sock full of mothballs

Dana's method, which I executed that weekend: four mothballs in a sock, knotted, laid on the floor of the driver's footwell, two more in a second sock under the hood, refreshed every eight weeks, cuz naphthalene actually repels the animals that dryer sheets quietly house. The Vette now smells like my grandmother's hall closet, which is a smell I once would have paid to remove. Now it is the smell of a car that owns its unit. The sock rides year-round. So does the smell.

steel wool in the tailpipes

The rest of Dana's storage liturgy went onto a note taped inside unit 118: steel wool stuffed loosely in both tailpipes, battery tender on a timer, a breathable cover instead of plastic, no seed or bird food in neighboring units, mothballs refreshed on a calendar date instead of a mood. Steel wool in exhaust pipes sounds like a folk remedy. It is a folk remedy that works, cuz a pipe is a door whenever the engine is off. The note runs four lines. It has outperformed every gadget I have snagged for that car.

back at unit 118 in May

May 2 came, the season opener, and the Vette made the forty-mile cruise with the top down and the hall-closet smell pouring over the door like a cologne nobody asked for. A week later I rolled up unit 118 to stash the cover, checked both socks, checked the tailpipes, and stood a minute in the dust where I found the spaghetti in March. Same cold latch. Different spring. Nine inches of chewed wiring taught me exactly what $1,240 and four mothballs are worth, and the nest is welcome to try again. The sock is waiting.

A Sure Bet