Anyone who has bought a home knows that there are a lot more costs beyond the down payment and mortgage. According to a survey done by the National Association of Home Builders, homeowners spend around $1,000 a year on routine maintenance. While that may seem like a lot up front, keep in mind that that amount can be budgeted for across the entire year. Additionally, that $1,000 for upkeep helps to prevent large, costly damage later on.
While every home is different, here are a few common maintenance points all homeowners should be managing:
HVAC System
HVAC repairs can range from $100 for minor issues to as much as $3,000 for major repairs and replacements.
What to Do
- Check and change air filters every one to three months.
- Schedule inspections and seasonal tune-ups
- Keep the outdoor unit clear of debris or anything that could block airflow
- Regularly clean air ducts
Roof
A compromised or damaged roof can lead to leaks. Leaks can lead to water damage, mold, and structural deterioration.
What to Do
- Inspect regularly for missing or damaged shingles, especially after large storms
- Keep nearby trees trimmed to prevent branches from falling on roof
- Schedule annual roof inspections
Gutters
Gutters and downspouts direct water away from the home and protect the foundation.
What to Do
- Clean gutters twice a year (typically in the spring and fall)
- Ensure downspouts are securely attached
- Check that water is being directed at least five feet away from the home and is not pooling
Windows and Doors
Seals and caulking can degrade over time, leading to drafts and water leaks. Upgrading to energy-efficient models may be a good consideration if utility bills are often high.
What do Do
- Inspect seals annually for cracks, gaps, or wear
- Watch for common issues like condensation between glass panes, bubbling paint, or warping around the frames
- Apply silicone-based lubricant to hinges, tracks, and locking mechanisms
Water Heater
According to The Home Depot, the nationwide cost of replacing a water heater ranges from $2,400 to $5,400.
What to Do
- Drain and flush annually to remove sediment and improve performance
- Inspect the anode rod (prevents corrosion) and replace if necessary
- Check the temperature and Pressure relief valve near the top of the tank
Plumbing
Plumbing issues, even minor leaks, can lead to significant water damage if ignored or overlooked over time.
What to Do
- Inspect toilets, appliances, and plumbing fixtures for leaks
- Replace worn-out water hoses for washing machines, dishwashers, fridges, etc.
- Turn off the water in the house, wait 30 minutes, then check the water meter. Low pressure could indicate a leak
- Watch for water stains, mold, or mildew smells
Smoke and Carbon Monoxide Detectors
Early detection of fires and toxins is critical to your safety. According to the National Fire Protection Association (NFPA), the risk of dying in a home fire is cut in half if your home has a working smoke alarm.
What to Do
- Test detectors monthly and replace batteries at least once a year
- Clean with a vacuum with a soft brush or compressed air to remove dust from vents
- Check the detector manufacturer’s date. CO detectors typically last 5-7 years, which is shorter than most smoke detectors
Big issues with your home can be expensive. Home maintenance is key. Developing a routine of regularly checking important systems and points around the home can help homeowners stay on top of potential problems. While this checklist can help highlight common tasks, it’s not a substitute for professional evaluations. Trained, certified inspectors can help identify issues before they become wallet-emptying problems.
For further help with protecting your home, contact us to find a local independent Northeast Nebraska Insurance agent. We can help build a custom plan for your home to make sure that no matter what comes your way, you are protected!