With cooler weather around the corner, fall is the perfect time to perform a routine maintenance check on your home. To help you prepare your home for winter, we created a home maintenance checklist to make the process easy. Follow this list to get your home winterized in no-time!
Home Maintenance, The Exterior of Your Home:
Your roof is a powerful protector from winter’s harsh elements, which makes it extremely important to inspect in the fall. Inspect your roof from ground level by using binoculars. Check for curling, cracking, and/or missing shingles. If your roof appears to be in poor condition, replace any damaged shingles or consider calling a licensed roofer to repair or replace your roof.
Windows and doors
Your windows and doors bring warm sunlight into your home, but in the winter they can also bring in cold drafts of air. Inspect the wood around your doors and windows for potential rotting by gently pushing the wood with a screwdriver. If you find any, replace the rotten wood and consider new windows and doors that may be more energy efficient.
Exterior walls and shutters
Your exterior walls and shutters say a lot about the way you maintain your home. Check the exterior of your home, shutters, and trim work for chipping paint. If your house is in need of a good paint job, fall, with its cooler temperatures and lower humidity, is one of the best times to paint.
Your gutters play a pivotal role in the maintenance of both your roof and siding. Gutters clogged with leaves and other debris force water onto the roof and siding, and facilitate the deterioration of these products. Inspect your gutters to make sure they are clear of debris. If you see excessive debris, consider installing gutter guards to keep the gutters clear.
Survey the trees on your property to see if any limbs look dead or if they are too close to the house. If they are, then remove them. If you see trees (especially those close to your house) that look sick or damaged, call a professional to inspect them. If left untreated, the tree could possibly fall into the house, which makes it extremely important to locate and treat ahead of time.
Home Maintenance, The Interior of Your Home:
Your attic insulation is extremely important, especially in the winter when temperatures drop. Similar to how you lose heat from your head when you don’t wear a hat, your house loses precious heat through the attic when it’s not properly insulated. Prevent poor insulation by inspecting it for wet or damp spots. If it is wet or damp, this may be a sign of a leaky roof.
Having your furnace checked by a qualified HVAC technician will help keep your home warmer and safer. A qualified inspector will be able to make sure your unit is working as efficiently as possible. The inspector will also be able to check for deadly carbon-monoxide leakage. If carbon monoxide is leaking, they will be able to remediate the situation before it becomes a problem chimney.
Your chimney can keep you warm, but it can also lead to problems if it’s not properly maintained. It’s important to get your chimney cleaned and inspected by a reliable chimney sweep. According to the Chimney Safety Institute of America (CSIA), clean chimneys don’t catch fire. Keeping your chimney clean will make it more efficient as well as safe to use.
It’s important to inspect your garage door to make sure it’s operating properly. Some doors, especially older models with metal rollers, hinges, and tracks, may need to be oiled. In addition, check the weather stripping around the doors and clean any debris from the bottom of the doors.
When prepping your house for winter, don’t hesitate to call a professional for assistance when performing maintenance checks or if you run into an issue you cannot fix yourself. Lack of funds causing you to put off necessary repairs to your home? Don’t worry. We might be able to help!
†We offer personal loans from $1,000 to $25,000, with loans terms from 12 to 60 months. Minimum and maximum amounts dependent on an applicant’s state of residence and the underwriting of the loan. Loans between $1,500 and $15,000 may be funded online. Loans greater than $15,000 or less than $1,500 are funded through our branch network. Specific interest rates and fees are determined as permitted under applicable state law and depend upon loan amount, term, and the applicant’s ability to meet our credit criteria, including, but not limited to, credit history, income, debt payment obligations, and other factors such as availability of collateral. Not all rates and loan amounts are available in all states. Additional fees may apply to some loan offers; some state required and/or permitted fees may be treated as prepaid finance charges. Any such charges shall be in addition to the loan amount requested and/or approved and shall be fully disclosed to the applicant on his/her loan agreement. Not all applicants will qualify for the lowest rates or larger loan amounts, which may require a first lien on a motor vehicle not more than ten years old titled in the applicant’s name with valid insurance. Our loan by phone and online closing process requires a compatible mobile or computer device on which you can access your email and electronic documents. Not all loan types are eligible for loan by phone or online loan closing.
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. As a result, under our customer identification program, we must ask for your name, street address, mailing address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
For any stated annual percentage rate (“APR”), the APR represents the cost of credit as a yearly rate and will be determined based upon an applicant’s credit at the time of application, subject to state law limits. A range of APR’s may be applicable, subject to state law limits and individual underwriting. Not all applicants will qualify for a lower rate. APR’s are generally higher on loans not secured by a vehicle, and the lowest rates typically apply to the most creditworthy borrowers. All terms and conditions of a loan offer, including the APR, will be disclosed during the application process. As an example, with an amount financed of $5,000.00 the borrower receives $5,000.00 at an APR of 29.99% and an interest rate of 28.77% which includes a finance charge of $3,640.96. Under these terms, the borrower would make 48 monthly payments of $180.02, for a total of payments of $8,640.96. The amount financed may not be the net proceeds paid if charges other than interest are included in the loan.
*The process uses a “soft” credit inquiry to determine whether a loan offer is available, which does not impact your credit score. If you continue with the application process online and accept a loan offer, or are referred to a branch and continue your application there, we will pull your credit report and credit score again using a “hard” credit inquiry. This “hard” credit inquiry may impact your credit score.