Of all the things you need to protect your home against – have you ever thought of the need to protect it from water damage, particularly rain?
Here are a few things to keep in mind to keep your property safe and dry.
Damp proof everything
Water goes everywhere. It collects and leaks. Having a gutter isn’t always enough to prevent dampness seeping in from the outside and once it becomes a real problem it can be difficult and expensive to remedy.
Besides looking bad and bringing down the property value, there are also health reasons to consider. Dampness and mould in buildings have even been associated with increases in a number of diseases, like asthma, respiratory infections and bronchitis.
Unfortunately there isn’t a one-size-fits-all solution for dampness. There are three main types of damp: penetrating damp, rising damp and condensation and each type needs to be diagnosed and tackled differently. Remember that if you need to do anything major like open cavity walls then you should leave it to the professionals.
When last did you clean your gutters? The can get clogged up with all sorts of debris which impedes their ability to function, namely, directing water away from the roof, in a systematic way. So before the rainy season comes make sure you clean your gutter, as time-consuming and unpleasant as that may seem.
Check hoses and faucets
Check the hoses and faucets leading to your washing machine, dishwasher, and refrigerator every year for cracks and water leaks. And replace all hoses every five to seven years.
If you live in an area that is prone to flooding, then you may want to consider flood insurance. Don’t be caught out in the rain. Home insurance doesn’t necessarily cover flood damage.
A final piece of advice: if you need to do improvements or make repairs that are costly, you can use a home equity line of credit or a home equity loan to foot the bill. This is when you borrow against the money you have already paid towards your home loan, and it has better rates and terms than many other forms of credit. This type of financing is good for costs associated with the property.