Make sure your home is covered with your Rodel4U Approved Broker under your Homeowners Insurance section.
We have all heard the saying prevention is better than the cure. This can be true of your home and avoiding financial strain and frustration when submitting a claim.
General maintenance and upkeep of your home is something we tend to put off and leave for another day. However, leaving it until the damage is done can cause more stress.
Private Property published a blog titled “Your Maintenance Checklist” which highlights the importance of putting a solid maintenance plan in place within your home to safeguard you against everyday problems such as
- Blocked drains
- Leaking roofs
- Burst geyser
- Water damage
Private Property suggests putting together a maintenance programme. This includes your weekly, monthly, and annual tasks you do in and around your house to keep its general upkeep and appearance.
What would it include?
General tasks – would include, according to Private Property:
- Clear gutters and drains before the rainy season to avoid blockages
- Attend to rusted window frames, perished putty and broken glass
- Touch up peeling and chipped paint regularly to avoid expansion
- Call in pest control services as required to do their annual checks
- Replace faulty globes in all light fittings inside and outside the house
- Check for and repair any water leaks within bathrooms and kitchen
- Check for rust on the main electrical panel or watermarks regularly
- Turn all breakers on and off to ensure they are in working order
- All fuses should be tightened. Contact an electrician if required
Annual tasks – would include the bigger and more time-consuming tasks
- Doors and windows: checking for damages to all fittings and frames
- Roof: checking all tiles that need to be repaired or replaced regularly
- Chimneys: ensure they are swept and cleaned by professionals yearly
- Gutters: Check for blockages & leaks regularly especially after heavy rain
- Paint: touch up & repaint areas where needed specifically in damp areas
- Walls and ceilings: inspect for cracks and check water stains on all roof
- Patios and decks: check wood for rotting or insect infestation regularly
- Fixtures: check all taps, sinks & toilets that no leakages have or may occur
- Garages: check walls for cracks & wood for any rotting or insect infestation
- Driveways & pavements: check general wear & tear & repair where needed
Do not put those much-needed projects off, make the time and get them done. Make a list, set up a schedule and stick to it. Get the family involved and make it fun!
It is the small things that count, a small paint job or a spring clean of your garage or spare room can make a world of difference to maintain your home.
The costs of a maintenance Plan
Putting a maintenance plan in place may look like a costly exercise, but something that will save you long term. Generally, we all employ someone to look after our gardens and do the odd DIY project. Rather put a more detailed job description together and hire someone with overall maintenance experience to cover all these tasks and duties.
Budget, budget, budget
Putting together your monthly household budget can be daunting and overwhelming but allows you to plan for unnecessary costs that arise. Setting aside a small amount for your home maintenance will ensure you are covered for those general and annual maintenance tasks listed above.
Avoid the pinch of excess.
It is common for Home/Buildings Insurance Sections to have compulsory excesses, which is the first amount payable when submitting a claim.
Rodel4U is here for you.
Let your Rodel4U Approved Broker, guide you when you submit a homeowners insurance claim. Our Excess Solutions product https://rodel4u.rodelsa.co.za/the-perfect-solution-for-claiming-excess/ will ensure you are not out of pocket when claiming under the Homeowners section.
Do not let excess get you down, talk to your Rode4u Approved broker today regarding an Excess Solution for your Homeowners policy.