Your Home Winterizing Checklist

Preparing your home for winter will be easier if you're in a permanently sunny location. However, all homes benefit from an annual checkup, even if you'll never need a snow shovel or ice scraper. Here's a handy checklist for homeowners in every state.

One of the most effective ways to max out your HVAC system's performance is to measure your attic and wall insulation. The right amount, or R-value, will improve airflow throughout your home, keeping you and your family cozy. To determine your current R-value, measure your insulation's depth by inches and multiply by three. Try to go up to a minimum R-30 value for your attic, or higher if you live in a northern state.

Before cold weather arrives, check your windows and doors for gaps so cold air (and bugs) won't sneak in. It's easier to do this on a sunny day, as you may be able to see sunlight coming through gaps you wouldn't notice otherwise. The only exception to this: gaps behind your washer or dryer. There are several affordable DIY solutions for sealing cracks and gaps with weatherstripping or caulk.

Your smoke detectors should be checked at least twice a year, and one of these should occur before winter begins. Anything from a space heater to an overloaded electrical outlet could spark a fire, and kitchens are a prime area for fires to begin.

Check your HVAC filters and replace them if they're dirty. A new HVAC filter helps ensure that your heating system is running at peak efficiency. Not only will you be more comfortable; you'll enjoy lower bills as well. Well-maintained filters also help you save energy during summer months as well.

Few homeowners look forward to cleaning gutters, but it's an important project. Falling leaves and other debris can hinder their ability to divert water away from your home. If you've been thinking of installing gutter guards, now is an ideal time to do it.

Now is the right time of the year to have your roof inspected. If any shingles are curling or buckling, you'll want to have them replaced. And if your roof still has three-tab shingles, you may want to consider upgrading to architectural shingles which are heavier and tougher. Other elements, such as vapor barriers, ridge vents, and drip edges may require a professional inspection.

Source: realsimple.com

* Specific loan program availability and requirements may vary. Please get in touch with your mortgage advisor for more information.