Smart Ways Homeowners Protect Their Investments


Since human beings have inhabited modern homes, owners have been looking for ways to preserve the value of their biggest investment. Whether that means making sure roofs are replaced when needed, plumbing is inspected regularly or HVAC systems are properly maintained, it makes good sense to keep a close eye on your home and all its key components. When essential upgrades are needed, owners do what they must to finance the work. Options include borrowing against equity, using the cash value life insurance policy, or dipping into savings, among others. Here are the top strategies homeowners use to make sure their valued assets stay in tip-top shape:

Replace and Repair the Roof

Some experts say the roof is the most important single component of a house. A strong, healthy roof protects your home from dangerous climatic elements like water, ice, snow, wind and sun, all of which have the ability to destroy the basic building materials of the structure. Depending on the kind of roof you have, it should be replaced every 10 to 20 years. The only way to know is to have a professional roofing contractor like Cincinnati Roofing do a thorough inspection.

The best time to take a close look at the roof of a home is when you are a prospective buyer. Most home shoppers get an inspection done before making a bid on a property. Consider having a separate inspection done on the roof. The extra few hundred dollars are well worth it. That way, you’ll know exactly how sound the roof is and when it will need to be replaced. You’ll also find out, before your buy, what type of repair work might be needed.

Check Drainage and Make Sure Gutters are Clean

At least twice per year you should do a complete check of the drainage system and clean out the gutters. Any problems that you can’t easily fix yourself, like a small leak in a gutter or a loose connection between drains, should be taken care of by a professional. Whenever water builds up in places above your home, the result is not good. Moisture accumulation can lead to mold problems and eventually cost you a bundle.

Replace Damaged Screens and Windows

Do a walk-around of your home’s perimeter every few months and check for windows and screens that look out of kilter. Screens and windows are, in their own humble way, work horses for your home. They keep out sunlight, debris, bugs and wind. Immediately replace or repair any problems you spot during your inspections.

Have HVAC Systems Inspected Every Year

Any problems in your heating and cooling system can lead to several kinds of problems. The most apparent symptom of a poorly-functioning system is a higher-than-normal utility bill. Other areas of concern include odd smells coming from the vents, unusual noises emanating from the heating or cooling unit and failure to come on or shut down according to thermostat settings. Have a licensed pro check your air conditioning and heating system each year, preferably during one of the temperate months.

So make sure you check out the best options for ensuring your home is well taken care of. And be sure you consider all options for financing like cash value life insurance, home equity loans and more.

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