What are some common house maintenance projects to avoid costly insurance claims?

Proactive home maintenance is one of the best ways to prevent expensive insurance claims and keep your property in top shape. Here’s a breakdown of common maintenance projects that help you avoid damage (and the claims that follow):

1. Roof Maintenance

• Inspect annually for missing, curling, or damaged shingles.

• Clean gutters and downspouts to prevent ice dams and water intrusion.

• Trim overhanging branches to reduce impact damage during storms.

Prevents: water leaks, mold, and structural damage — all common homeowners’ claims.

2. Plumbing and Water Systems

• Check for leaks under sinks, behind appliances, and around toilets.

• Inspect washing machine hoses and replace if cracked or over 5 years old.

• Install water leak detectors near water heaters or under sinks.

Prevents: water damage (the #1 cause of insurance claims).

3. HVAC System Maintenance

• Change filters every 1–3 months.

• Schedule annual professional servicing to check for refrigerant leaks or worn parts.

• Keep outdoor units clear of debris and vegetation.

Prevents: fire hazards, system failure, and mold from poor ventilation.

4. Electrical Safety

• Inspect outlets and cords for fraying or heat damage.

• Upgrade old wiring or panels if your home is older (especially pre-1980s).

• Avoid overloading circuits.

Prevents: fires and electrical failures.

5. Windows, Doors, and Weatherproofing

• Seal cracks and apply fresh caulk or weatherstripping yearly.

• Inspect flashing around windows and doors for leaks.

Prevents: water intrusion, rot, and energy loss.

6. Yard and Exterior Upkeep

• Trim trees and shrubs away from the house and power lines.

• Maintain proper drainage so water flows away from your foundation.

Prevents: roof, siding, and foundation damage.

7. Foundation and Basement Care

• Check for cracks and seal them promptly.

• Ensure sump pump works and has a battery backup.

Prevents: flooding, mold, and structural issues.

8. Fire Prevention

• Test smoke and CO detectors monthly.

• Clean dryer vents to prevent lint fires.

• Keep fire extinguishers accessible in kitchen and garage.

Prevents: devastating fire claims.

9. Pest Control

• Inspect for signs of termites, rodents, or carpenter ants.

• Seal entry points around pipes, vents, and foundations.

Prevents: structural damage and wiring issues.

10. Security & Liability

• Maintain fences, railings, and outdoor lighting.

• Repair uneven walkways to avoid trip hazards.

Prevents: liability claims from injuries on your property.