Fall is the best time to get your house in order because come winter, small problems can turn into expensive nightmares. Our money-saving checklist covers many things, including your front lawn and your furnace. And many of the fix-ups cost little more than some time and effort. The following tips can save you thousands of dollars in repair costs.
Outdoor chores with immediate payoff
Once the winter freeze-and-thaw cycle kicks in, a tiny leak in your roof can turn into a crevasse—and a $10,000-plus repair job. Clogged gutters and dribbling spigots can also do a lot of damage, so take advantage of the cooler weather to do home and yard repairs and spruce-ups.
Get some leaf relief
Fallen leaves can kill grass when they’re matted down by snow. Leaf piles can also attract rodents. But using leaf bags means work and waste if they go into a landfill. What to do: Don’t overlook your mower’s mulching mode. Ground-up leaves feed your lawn and save money. You might need to make a few passes to slice the leaves small enough to decay. What you save: Along with saving the cost of leaf bags (Americans spend millions of dollars a year on them), you sidestep the stooping and bending of raking and bagging. Lawn mower Ratings and recommendations.
Check the roof
Leaks can eventually damage the wood sheathing and rafters below the shingles, leading to thousands of dollars in repairs. What to do: Use binoculars to spot cracked, curled, or missing shingles safely from the ground. Consider having a roofing pro check flashing around chimneys, skylights, and roof valleys for leaks, and the rubber boots near vents for cracks that can let moisture seep in. What you save: At roughly $3 per square foot installed, new sheathing would total $6,900 for a 2,300-square-foot house if you had to replace all of it. Figure on an additional $7,000 to $10,000 to install new shingles, plus added costs if the roof rafters need replacing. Roofing Ratings and recommendations.
Clear gutter clogs
Gutters stuffed with leaves, pine needles, and other debris can let water spill over the side, pool around your home’s foundation, and seep inside. Water that freezes in gutters can force snow and ice into roof shingles, causing damage and leaks. What to do: Consider a gutter-guard system to keep debris out and water in. Make sure that gutter drains extend 5 feet from the house—and that soil slopes away from the foundation 1 inch per foot for 6 feet or more. What you save: It cost about $300 a year for a pro to clean gutters in the fall and spring. That might be worth it rather than risking a fall off a ladder if you do the job yourself.
Close your hoses
Pipes can burst when water inside expands as it freezes, creating an expensive mess in your home. What to do: Shut off inside valves that control water flow to hose spigots. Then briefly open the spigots to drain any leftover water in pipes and hoses. Also drain water from supply lines for water sprinklers and pools, and shut off inside valves that control them. And help prevent freezing by insulating pipes in unheated areas. What you save: Thousands of dollars in plumbing repairs and water damage, especially if pipes burst and cause a flood while you’re away.
Inside jobs that’ll cut your expenses
If your house is drafty and your furnace needs maintenance, you’ll be paying more to keep warm this winter than you have to. With a little caulk and some elbow grease you can tighten the envelope of your home. Your furnace is less likely to fail on a cold day if you do some quick maintenance now.
Automate energy savings
Simply lowering temperatures 10 to 15 degrees while you’re at work or asleep can trim 15 percent off your heating bill. What to do: You can lower temperatures manually on any thermostat or install a programmable thermostat (about $40 to $300) to do it for you. What you save: Setting temperatures back can save you up to $100 per year, based on average heating costs. That’s $500 in your pocket after just five years. Energy-saving thermostat Ratings and recommendations.
Plug the leaks
The swiftest savings come from sealing air leaks in your home’s walls, windows, and especially its ductwork. What to do: Duct insulating and sealing are best left to a professional. But you can use a combination of caulk, foam board, expandable sealant, and weather stripping to plug leaks around windows, doors, electrical outlets, and other openings in your home. What you save: Plugging leaks could lower your annual heating and cooling bills by $400.
Replace furnace filters
A dirty filter reduces heat and airflow, which can lead to expensive repairs.
What to do: Check the air filter in the furnace or heat pump each month. And have a pro check the system annually (about $120), tightening electrical connections, lubricating moving parts, and checking drains, controls, and connections for oil and gas systems. What you save: About $200 to $300 or more for service calls and repairs, plus the discomfort and risk of frozen pipes if your home’s heating system shuts off. Gas furnace buying guide.
Clean your chimney
A wood-burning fireplace or stove may be cozy, but creosote buildup can block the flow of smoke and cause chimney fires and carbon-monoxide poisoning. And even unused chimneys can develop cracks that weaken the structure. What to do: If your chimney hasn’t had a recent inspection, now’s the time. Figure on roughly $150 to $300 for an inspection and a sweep. Go to csia.org for industry-certified chimney sweeps and check bbb.org for complaints. What you save: Up to $5,000 if the chimney flue liner cracks; thousands more if there’s a fire. You also avoid potentially deadly safety risks.
Pests that can eat you out of house and home
Termites literally eat your house. They cause more than $5 billion in property damage each year. Carpenter ants destroy wood by tunneling inside it. The best way to protect your home is to know their signs and act fast.
Carpenter ants: They are normally black, though some are red or a combination of the two colors. You’ll find them crawling around the inside and outside of your house as they search for moisture. Spring and summer are their busiest times, but they can keep munching on wood throughout the winter if temperatures are warm enough. If you see or hear them (they sometimes make munching noises in the walls), call in a pro. Also cut back branches and plants from your house, move firewood and other stacked timber far away from it, and seal any cracks.
Termites: These homewreckers are light-colored and are rarely seen, except when they swarm in early spring. Call a pro if you see swarming or wood that’s soft, blistered, or darkened. Other signs include mud tubes inside or outside the house, especially around the foundation. Go to pestworld.org to find an industry-certified exterminator.