The unsexy part of owning a home is the fact that it takes repairs and maintenance to keep it nice. Neglecting even the smallest things can cause a disastrous result with your home. Don’t fool yourself into thinking that you can ignore a problem that is not glaring. If you do, it won’t be long until you have a much bigger problem on your hands. It’s important for you to protect your biggest investment in all areas; not just fixing a leaky faucet or running toilet.
It is important to have comprehensive homeowners insurance. Your homeowners insurance not only protects the structure of your home and its contents; it also protects the people inside. You may only think insurance pays for a damaged roof or fire damage, but it’s much more.
Be sure you have enough liability coverage to pay for medical bills for anyone who may have an injury causing accident in or around your home. You are liable for their medical bills should they choose to ask you. Part of your homeowners policy is to pay for those costs. Your instinct may be to only have the minimum coverage since it’s the cheapest, but you could wind up paying more in the long run if you take this path. Find a premium you can afford that is a bump above the minimums. It could save your wallet in the long run.
Maintenance check list
It’s a good idea to do a once over on your house at the beginning of each season. Check your roof for any damage that may have gone unnoticed. Be sure gutters are clean. Check for standing water in and around your home. Look at the under sink cabinets in the kitchen and bathroom. Be sure there are no small leaks you may have missed. Check your foundation for any cracking or to see if the ground is pulling away. Make a check list and check it seasonally. You can catch repairs when they are small this way.
Once you’ve gone through your seasonal check list, it’s time to make repairs. Some repairs are simple and most do-it-yourselfers can tackle. It’s not difficult to patch and repair drywall. If you have a hole from a door knob hitting the wall, you can fix this. The hardware store has kits for small patch repair. Grab one and follow the instructions. Don’t be intimidated.
Leaky faucets are usually just in need of a new gasket. You can make this repair. If you need to take a picture of your faucet to take to the hardware store, do that. They have professionals who can guide you to the part you need to make the fix. The same goes for other small plumbing issues. There are tons of videos available showing how to make most small repairs to your home
If it’s a bigger issue like roofing, HV/AC, or other major system repairs, call in a professional. It’s good to have your major systems checked yearly anyway. A professional can help you dodge a disaster that may be in the making.
Even if you’re intimidated about handling issues that come up with your home, ignoring them will not keep them away. You are more capable than you might think. Don’t let small issues become big problems. You owe it to yourself and your family to keep your home in the best condition possible. You can avoid lots of costly repairs if you just take the time to inspect and repair as you go.