Top 5 maintenance costs that catch you off guard

Don’t let unexpected household maintenance costs affect your financial situation by putting you into debt. General homeowners insurance plans do not cover maintenance issues within the home. Uncovered costs include needing a new roof, furnace or other big ticket items.

Here are the top five unexpected maintenance expenses that could get costly, catching you financially off guard.

  1. Family pets can cause damage to the back yard, including the fence. By digging a hole under the fence, a dog can cause it to bend, warp and or fall over.
  2. Wild critters can invade storage areas such as an attic or crawl space. Small animals, including chipmunks, squirrels and raccoons seek warm shelter and a place to have their babies. While doing so they can cause great amounts of damage to insulation and walls.
  3. Breaking down of big ticket equipment. Over time refrigerators, dishwashers, stoves, washers and dryers wear out and eventually need be replaced. In other cases, washing machines get overloaded and flood the laundry room causing costly damages.
  4. Window leaking can definitely be unexpected. You are completely unaware of a window leak until it starts to rain.
  5. Tree roots spread out far beyond your back yard and deep into the ground. Large tree roots can destroy drain lines, septic tanks and even your home’s foundation.

It is advised to set aside some money each year for annual maintenance. Keep this money in a separate savings account that you can access in case of a maintenance emergency. Plus, it is always good to keep your homeowners insurance policy up to date and understand exactly what is covered.

For more information about your homeowners insurance policy in the Scottsdale, Arizona area contact the Prutting Insurance Group.