Why Home Maintenance Matters
Regular home maintenance isn't just about keeping your house looking good—it protects your investment, prevents expensive emergency repairs, and keeps your home safe and comfortable year-round.
Benefits of following this calendar:
- Catch small problems before they become major (expensive!) repairs
- Maintain your home's value for when you sell
- Lower insurance claims and keep premiums down
- Extend the lifespan of major systems (HVAC, roof, appliances)
- Stay comfortable and safe in your Iowa home through all four seasons
⚠️ From Sarah's 10+ Years in Property Insurance
As a former property insurance professional, I've seen how preventable maintenance issues lead to denied claims and costly out-of-pocket repairs. Many homeowners don't realize that neglected maintenance can void your insurance coverage for certain damages.
Insurance red flags I've seen: Old roofs (15+ years) with hail damage denied, water damage from uncleaned gutters not covered, HVAC failures due to lack of maintenance excluded. This calendar helps you avoid these pitfalls!
📅 Monthly Maintenance Tasks
Do these simple tasks every month to stay ahead of problems
- Check and replace air filter (every 1-3 months depending on pets, allergies)
- Improves air quality and system efficiency
- Prevents costly HVAC failures
- Look for leaks under sinks, around toilets, near water heater
- Check for drips from faucets
- Early detection saves thousands in water damage
- Test all detectors (press test button)
- Replace batteries annually
- Replace entire units every 10 years
- Test garage door auto-reverse
- Check door locks function properly
- Ensure windows open/close smoothly
- Clean bathroom and kitchen exhaust fans
- Remove dust buildup
- Prevents fire hazards and moisture issues
- Clean and deodorize disposal
- Run ice cubes and citrus peels through
- Check for leaks underneath
🍂 Seasonal Maintenance
Critical tasks for each Iowa season
- HVAC: Schedule AC tune-up before summer heat
- Gutters: Clean out winter debris, check for damage
- Roof: Inspect for winter damage, missing shingles
- Windows: Check screens, caulk any gaps
- Foundation: Look for cracks, ensure proper drainage
- Lawn: Seed bare spots, first mowing, fertilize
- Deck/Patio: Power wash, seal/stain if needed
- AC: Change filters monthly during heavy use
- Gutters: Check for clogs from spring storms
- Driveway: Seal cracks, reseal asphalt if needed
- Sprinklers: Check for leaks, adjust coverage
- Exterior: Inspect siding, trim, paint touch-ups
- Chimney: Schedule cleaning before fall/winter
- Pest Control: Check for wasps, ants, termites
- HVAC: Schedule furnace tune-up before winter
- Gutters: Clean leaves thoroughly (critical!)
- Winterize: Drain outdoor faucets, sprinklers
- Windows: Install storm windows, check weatherstripping
- Fireplace: Inspect chimney, clean if needed
- Lawn: Final mowing, aerate, fall fertilizer
- Trees: Trim dead branches before winter storms
- Furnace: Change filter monthly during heavy use
- Ice Dams: Remove snow from roof edges if needed
- Pipes: Keep heat on, open cabinet doors during deep freezes
- Humidity: Run humidifier to prevent wood cracking
- Drafts: Check for cold air leaks, seal gaps
- Water Heater: Flush sediment (annual task)
- Safety: Keep walkways clear, salt ice
📆 Annual Maintenance
Important tasks to do once per year
- Professional inspection
- Check for damage
- Iowa hail season!
- Professional cleaning
- Prevents fires
- Improves efficiency
- Professional sweep
- Prevents fires
- If you use fireplace
- Drain and flush
- Check pressure valve
- Extends lifespan
- Test GFCI outlets
- Check breaker panel
- Look for issues
- Professional pruning
- Remove dead limbs
- Protect from storms
- Deep clean inside/out
- Check seals
- Recaulk if needed
- Pump every 3-5 years
- If applicable
- Prevents backups
🌪️ Iowa-Specific Maintenance
Special considerations for Des Moines area homes
- Hail damage: Inspect roof after every major storm (April-August)
- Document damage: Take photos immediately for insurance
- Know your rights: Iowa law protects homeowners from insurance pressure
- Act fast: Most policies require claims within 1-2 years
- Pipe insulation: Wrap exposed pipes in crawl spaces, attics
- Cabinet doors: Open during sub-zero nights (below -10°F)
- Drip faucets: During extreme cold to prevent freezing
- Heat tape: Consider for problem areas
- Dehumidifier: Run in spring/summer to prevent mold
- Sump pump: Test quarterly, have battery backup
- Foundation: Keep gutters clean to prevent water intrusion
- Grading: Ensure ground slopes away from foundation
- Boxelder bugs: Seal entry points before fall invasion
- Termites: Annual inspection in older homes
- Mice: Check for entry points before winter
- Carpenter ants: Look for sawdust near wood
Sarah Ingles
REALTOR® SRES® | 10+ Years Insurance Expertise
I help Des Moines area homeowners protect their investment with my property insurance background. Whether you're buying, selling, or maintaining your home, I ensure you avoid costly surprises.
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