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Whether you’ve lived in your home for decades or are settling into someplace new, proactive maintenance tasks and repairs can help you stay one step ahead of expensive emergencies and replacements. An annual Housepower Report from Hippo Insurance Services, a licensed insurance agency, found that unexpected repairs cost most boomers and Gen X homeowners around $1,000 a year.
A good preventive step is to keep an eye on both internal and external home features, even paying for annual inspections of big-ticket items such as roofing, electrical, heating and cooling. In fact, when it comes to common maintenance and repair issues — those that involve water and moisture, structural and exterior, and system and appliance failures — prompt attention can help prevent costly replacements.
Here are 25 ways you can stave off big repairs, plus tips on how to make minor repairs yourself. We’ve even given you estimated costs so that you and your budget aren’t surprised in the future.
APPLIANCES
Many appliance breakdowns are due to poor maintenance, so taking a few simple steps to keep them running efficiently is a great and cost-effective idea, says Dennis Godnyuk, a licensed appliance technician and owner of Comfort Appliance Repair in Nashville, Tennessee.
1. Vacuum refrigerator coils
Dust and pet hair can get under your refrigerator, clogging the condenser coils that cool the appliance. That can be a fire hazard as it can cause your fridge to overheat, says Godnyuk. Once every six months, pop off the grill at the base and use a skinny vacuum attachment to clear it out. If you decide to move the fridge out to clean around it, Godnyuk recommends making it a two-person job to avoid straining your back; you could also hire someone else to move it out. If you have a high-end fridge with the coils up top, maintenance is probably not necessary.
Godnyuk also suggests having an appliance repairperson pull the fridge out and do a thorough professional cleaning with a brush and compressed air about every five years just to ensure all that dust and pet hair is cleared away. While refrigerators should last around 15 years, if you’re doing constant maintenance, he says you could gain at least three to four extra years before any major issues arise. And with the cost of a new base model fridge starting at around $700, it’s worth the cleaning time.
2. Change and clean washing machine filters
Replace or clean your washing machine filter, which tends to collect items such as loose coins, lint and hair. While it’s rare for a dirty filter to cause severe damage, Godnyuk says it can affect the washer’s operation if it’s left untouched for years. “Cycles may get longer; clothes may come out smelly and not totally cleaned; and the worst outcome is the pump will get strained,” he explains.
Eventually a worn-out washing machine pump can cause a breakdown, which may lead to costly emergency repairs or the need for a whole new appliance much earlier than you expected. A new pump, with labor, is likely to cost at least $250, and a basic new washer starts at around $600, says Godnyuk. A new filter, however, costs under $20. Cleaning can help give the unit three to four additional years. Refer to the user manual to learn if your washer has a filter, where it’s located, how to clean it and how often to replace it. Godnyuk says it should be easy for any 50-plus person to reach, as it’s usually located on the bottom left of a front-loading washer or the back side for a top loader. Just remember to unplug the unit before working on it.
3. Clear out dryer vents
Most homeowners know to empty the lint trap on a dryer after every load. Godnyuk says that dust will still get through to the bottom, so vacuum the lint trap every six months using a narrow attachment on your vacuum cleaner. He suggests using dryer vent cleaning kits available at box stores, starting at around $20.
You may need some help with this one. Once a year, move the unit out from the wall. Be sure to unplug it. Then, using a flexible dryer vent cleaning brush (get a kit with one that can extend 15 to 20 feet), stick the brush into the vent line (the duct that goes behind the dryer and connects to the house to exhaust the air out) and pull out the lint. Also, make sure to clear the vent cover on the outside of your house yearly, because if it’s clogged shut it won’t work properly and is a fire hazard. To clear out the entire duct line to the outside, Godnyuk says you may want to hire a professional for about $150.
Cost-wise, if you do need a repair, this regular maintenance will save you 50 to 70 percent. “Most of the time when we show up at customers’ houses, the dryers are clogged with lint to clear, so instead of the repair bill being $120 to $140, it’s about $280 to $300,” says Godnyuk. Considering a new dryer starts at around $600, extra lint removal can prolong the unit’s life as well.
ELECTRICAL ISSUES
A home’s electrical system can function well for 20 to 25 years, says Kolten Eden, master electrician at Denver’s Doctor Fix-It Plumbing, Heating, Cooling & Electric. But, he continues, if you last had your electric breaker panel updated in 2000 or prior, today’s home electronics can take a toll, because houses with older systems are not equipped for the amperage required for a microwave on a kitchen circuit, for example. Problems like overheating breakers that are not the right size for the wire that’s hooked to it can warrant a replacement. “Overall, the load of modern-day appliances [and] electronics on an old home’s system can cause breakdown,” Eden says. Rewiring a home is expensive and could cost anywhere from $7,000 to more than $20,000 for larger homes. An annual electrical tune-up — meaning you hire a licensed electrician to do a thorough evaluation of your wiring and breaker panel — is worth the average $150 to $300 to catch any problems early, says Eden. Ask your utility company if they offer this service. Meanwhile, there are other simple, related steps you can take.
4. Clearly label the breakers
Make sure every fuse in your panel is labeled properly, because in the event of an emergency, where something is sparking and not tripping a breaker as it should, you need to know which one to immediately turn off. Eden says your electrician should be able to do this as a service. Or make it a two-person job, where one person turns off an individual breaker and the other notes what it affects. Then either label each one with a label maker, or draw up a printed list that you tape to the inside of the door. This way, when you have a panel with 40 breakers, and something trips and turns off a major appliance or lights, you’ll be able to turn it back on quickly.
5. Replace smoke and carbon monoxide detector batteries
Homeowners may not realize that manufacturers of smoke detectors recommend replacing the units every 10 years, and carbon monoxide detectors after five or seven years, because they can’t guarantee they’ll continue to function past then. But you can add to the life of the units by changing the batteries every six months, using daylight saving time as a reminder. Don’t wait until they start chirping. A new battery-operated smoke detector costs between $10 and $30, and most basic carbon monoxide detectors are around $30. “By replacing the batteries [as you] should, that prevents the need to replace units sooner than necessary — and taking a chance they won’t be functioning when you need them,” Eden says. This biannual task shouldn’t be done alone if you feel unsteady on a step stool or ladder.
6. Inspect plug-in surge protectors
While using plug-in style surge protectors on any of your electronics is important to prevent surges that could damage them, Eden says that anything with less than a five- to 10-year warranty — clearly stated on the package — is probably not the protection you need. While prices vary, they’re usually under $100. That surge protection will save you money in the long run by protecting expensive electronics and other costly items if something does go wrong at the electric panel. Eden warns, “Always make sure that the indicator light is showing so that you know that it’s actually working as a surge protector and not just like an extension cord.”
STRUCTURAL ISSUES
Moisture and water issues in basements and crawl spaces can lead to issues with the foundation, says Dan Thrasher, CEO at Thrasher Foundation Repair in Omaha, Nebraska. Examining the foundation walls for cracks, water stains and signs of moisture will help you catch structural issues early. There are several other places around the house, both inside and out, that you can inspect and follow up with minor repairs.
7. Inspect for drywall cracks
“Drywall cracks are generally not a problem; the one exception is if they keep reappearing in the same spot and/or start extending more than 24 inches,” says Danny Niemela, a professional home remodeler and contractor, and vice president and CFO at ArDan Construction in Scottsdale, Arizona. That could indicate an underlying shift in your home’s structure, or moisture penetration. “Tap the walls in any areas around plumbing fixtures or windows. If there’s a hollow sound or it feels soft, cut a 6-by-6-inch test square to expose the backside. Look for mold or mildew or crumbling as a sign that moisture is entering,” Niemela says.
Finding and fixing drywall cracks before they get worse can save you $5,000 to $15,000 in mold- or structural-related repairs. Patch kits are less than $20. But if the issue seems more widespread, contact a framer or roofer to look for underlying problems.
8. Check the concrete joints in the driveway
Thrasher says what often gets overlooked outdoors are the joints in concrete around the driveway: the seams left over from when it was first poured. They’re meant to ensure that if it cracks, it does so in a uniform way. But if water goes down through those joints, it can erode the dirt out from underneath the concrete, creating voids that make it start to move. Staying on top of this is especially important to avoid trip hazards or having to hire a contractor to patch the concrete or grind down the cracks. Replacing concrete usually costs between $8 to $15 per square foot. For an average full driveway, that could be $10,000 to $15,000, and for just one section, $1,500 to $3,000. Prevent cracks by sealing the joints with quality caulking, either silicone- or urethane-based and made for outdoors. It’s about $6 to $10 per 10-ounce tube, and each will take care of about 10 feet.
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