Thanks for your replies.
I had a bad case of rust the past summer, but it was humid and not so cold. I had to cut leaves from every plant.
This year no signs of rust.
I see some earwigs; some hide in the flower at evening and some crawl on the leaves. I would like to know how to get rid of them, I don't see many but sometimes I found one or two in the house, especially near the cats water fountain. I have an insecticidal powder for ants, could I use it?
I see some cutworm or or white grabs I can't distinguish, and I saw a couple of leaf hopper. Nothing so serious I think, but earwigs ugh I can't stand them.
I use only tap water, no fertilizer. I' watering every evening, the soil is very strange because it's most clay; the top part gets dry very quick, it's hard like a rock, but underneath (I will go out and check better for sure) it's humid and full of earthworms (I know they help having a good soil). I had a black calla lily bulb and it's rotten, who knows.
It affects outer leaves the most, for now, I take them off. Do you think I sould water more? Or use some kind of fertilizer?