Home repairs can be costly, but there are way to pay them. These articles covers common repair costs, how to pay for your home repairs, and when to DIY or hire a pro. Get the info you need to keep your home safe and well-maintained.
Common Home Repairs & Costs
Home repairs are inevitable, but knowing common issues and their costs can help you prepare. Some of the most frequent repairs include:
- Roof repairs: $150 – $1,500 (small leaks to major fixes)
- Plumbing issues: $150 – $500 (leaks, clogged drains, water heater issues)
- HVAC repairs: $150 – $1,200 (AC or furnace malfunctions)
- Electrical repairs: $100 – $500 (outlets, wiring issues, circuit breaker problems)
- Foundation repairs: $500 – $10,000 (minor cracks to major structural fixes)
Emergency Home Repairs: What to Do First
When urgent repairs arise, knowing how to act fast can prevent further damage:
- Roof leaks: Use a tarp to cover leaks temporarily and call a roofer.
- Burst pipes: Shut off the main water supply and contact a plumber.
- HVAC failures: Check the thermostat and breaker, then call a technician if needed.
- Power outages: Check with your utility provider before assuming an electrical issue.
- Gas leaks: Leave the house immediately and contact the gas company.
Funding Options for Home Repairs
Not all repairs come at a convenient time financially. Homeowners can explore:
- Government grants & programs: HUD, USDA, and local assistance options.
- Home repair loans: HELOCs, personal loans, FHA Title 1 loans.
- Community assistance: Nonprofit organizations and local charities.
Find more about paying urgent home repairs.
Home Insurance and Repair Coverage
Not all home repairs are covered by insurance, so it’s crucial to know:
- What’s covered: Storm damage, fire, burst pipes, and vandalism.
- What’s not covered: Wear and tear, neglect, and certain natural disasters.
- How to file a claim: Document damage, contact your insurer, and get an estimate.
Find about paying home repairs with your insurance.
Seasonal Home Maintenance to Prevent Costly Repairs
Preventative maintenance helps homeowners avoid expensive repairs:
- Spring: Inspect the roof, clean gutters, check the AC unit.
- Summer: Power wash siding, trim trees, check for pest issues.
- Fall: Clean out gutters, service the heating system, seal windows.
- Winter: Insulate pipes, check for drafts, test smoke detectors.
Find more about home seasonal maintenance in your region.
DIY vs. Professional Home Repairs
Some repairs are easy to handle yourself, while others require expert help:
- DIY-friendly: Painting, minor plumbing fixes, caulking, replacing air filters.
- Hire a pro for: Electrical work, major plumbing, HVAC issues, roofing.
- Essential tools for homeowners: Power drill, wrench set, ladder, stud finder.
Energy-Efficient Home Repairs
Upgrading to energy-efficient solutions can save money in the long run:
- Fixing drafts: Use weather stripping and caulking.
- Upgrading appliances: ENERGY STAR-rated refrigerators, washers, and HVAC systems.
- Available rebates: Federal and state incentives for efficiency improvements.
Aging-in-Place & Accessibility Home Repairs
Modifications for aging homeowners or those with disabilities include:
- Accessibility improvements: Ramps, grab bars, stairlifts, wider doorways.
- Funding sources: Medicaid waivers, VA grants, nonprofit programs.
- Smart home tech: Voice-activated lights, remote security systems.
Explore More Resources
Looking for more home repair guidance? Check out our states home repair programs.