Maintenance and Damage Prevention for Your Home
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You are responsible for maintenance
Did you know that you are responsible for maintaining your home and reporting damage when it is discovered? Insurance policies primarily cover sudden and accidental events that lead to an insured loss. Therefore, it is important that you carry out regular maintenance and damage prevention, so that you have an overview of faults and deficiencies, or wear and tear that may occur. When you have an overview, you can more easily take action and reduce the extent of damage.
Maintenance obligation
Maintenance obligation is not the same as maintenance responsibility. Obligation is used in the context of rental and letting arrangements, where the homeowner or landlord is obliged under the Tenancy Act to maintain the property in which the tenant lives (unless otherwise agreed). If the landlord does not fulfil the maintenance obligation, the tenant may be entitled to demand a reduction in rent or terminate the agreement.
Did you know, by the way, that As a customer of DNB, you have access to legal assistance through Ally Advokater?
Home maintenance
Preserve your home's value
Extend the lifespan of your home and belongings
Avoid damage and hazardous situations, and live more safely
Reduce your energy consumption and live more sustainably
Increase comfort and well-being in your own living situation
Save money: reduce the risk of unexpected costs
Important terms
Are you considering renovating your home?
If you want to make major changes, upgrades or maintenance to your home, you should draw up a budget and think carefully about the finances. If you have a mortgage, you may have the option to increase the total amount of the loan to finance the renovation byrefinancingit. If you are making energy-efficient improvements to your home, you should also check out favourableGreen loan.
Maintenance in the form of renovation can be beneficial for The value of your home. If you have carried out extensive renovation, you should therefore obtain a new valuation of your home. If your home is worth considerably more than before, you may in some cases be able to secure a lower interest rate on your home loan. This is because you can offer greater security to the bank as your loan-to-value ratio has decreased.
Cleaning filters in your household items
In your home, there are probably several items with filters – for example in water taps and other water outlets, in washing machines, tumble dryers, ventilation systems and kitchen extractor fans. To take care of these items, you must ensure you clean the filters at regular intervals. A filter is there to capture, sieve or remove unwanted particles. This is precisely why it is important that you maintain the filter by cleaning it free of things it has captured. By doing this, you extend the lifespan of what you own and ensure they maintain their effectiveness, for example by providing better air quality, indoor climate and water pressure.
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Cleaning filters in kitchen extractor fans
It is important to maintain the kitchen extractor fan by cleaning it at regular intervals.
Over time, the kitchen extractor fan will become full of cooking grease. It will then be in a poorer condition to capture fumes of steam and grease from cooking. Cooking fumes, steam and smoke will then settle around the house instead. In the worst case, grease could drip down from the fan and cause a fire when it comes into contact with hot hobs.
How to clean your kitchen filter
- Check whether your filter can withstand cleaning with water and soap. If not, replace it with a new one and disregard this list.
- Unplug the cooker hood.
- Fill the kitchen sink with warm water mixed with washing-up liquid and stir.
- Remove the filter from the cooker hood and leave it to soak in the sink for a few hours so that the grease dissolves.
- Use a washing-up brush to remove as much grease as possible.
- If the filter can withstand it, wash it separately in the dishwasher.
- Clean the fan itself with a cloth and kitchen spray. Wipe thoroughly around the entire fan.
- When the filter is dry, you can put it back in place in the fan. If you have washed a charcoal filter, you can reactivate the charcoal by drying it on a low heat in the oven.
Cleaning the filter in a tap
Having a clean filter in your tap is important for maintaining good water pressure and clean water.
How to clean the filter in taps
- The filter is located at the very tip of the tap, where the water flows out. Unscrew the outermost tip. Use your fingers to unscrew it, or use an adjustable spanner if you cannot unscrew it with your fingers. Turn anticlockwise to remove the filter.
- Let the water run for a short while after you have removed the filter.
- Rinse the filter and ensure that all dirt is removed.
- Screw the filter back into place.
Cleaning the filter in the shower head
Having a clean filter in your shower head is important for maintaining good water pressure and clean water.
How to clean the filter in the shower head
- Unscrew the shower head from the hose.
- Rinse and clean the inside of the shower head with soapy water.
- If you have a shower head with silicone nozzles, you can rub these free of dirt and limescale.
- Place the shower head and hose in a bucket with water and a little chlorine for approximately one hour.
- Rinse the hose and shower head thoroughly before reassembling.
Clean the Filter in Your Dishwasher
You should clean the filter in your dishwasher approximately once a month. Food residue, dirt and limescale accumulate throughout the machine, especially in the filter. This can result in dishes not being cleaned properly, and in the worst case, the filters becoming blocked and water overflowing onto the floor.
How to Clean the Filter in Your Dishwasher
- The dishwasher must be empty when cleaning.
- Remove the filters at the bottom of the machine.
- Wash the filters under running hot water and scrub gently with a washing-up brush to remove dirt before placing them back in the machine.
- Use a cloth and kitchen spray to wipe the sides of the dishwasher door.
- Use dishwasher cleaner and run the machine once with only the cleaner inside.
Cleaning the Filter in Your Washing Machine
Cleaning the filter in your washing machine is important to prevent unusual noises, vibrations, stoppages, clothes coming out soaking wet and poor washing results. The filter easily collects lint, buttons and other foreign objects which, in the worst case, can damage the washing machine. Therefore, it is wise to clean the filter regularly.
How to Clean the Filter in Your Washing Machine
- Ensure that the washing machine is not connected to power, and preferably shut off the water supply.
- Open the service hatch of the machine. It is usually located at the bottom front of the machine.
- Place a towel on the floor. There will usually be some spillage when you clean the filter.
- Some washing machines have a drainage hose so that you can drain water into a container. Others require you to unscrew the cover and filter, and let residual water run out onto the towel.
- Once you have removed the filter, you will be able to remove foreign objects and lint. Clean the filter by rinsing it in warm water.
- Clean the inside, the threads on the pump cover and the pump housing with a cloth.
- Reassemble all parts and reconnect the power and water supply.
Cleaning the tumble dryer filter
By cleaning the filter in the tumble dryer, it becomes less at risk of damage and problems, and will operate more efficiently. In the worst case, a blocked filter can cause a fire, but this is fortunately rare.
The filter collects lint, hair and other debris that must be removed.
How to clean the tumble dryer filter
- Disconnect the power to the tumble dryer.
- Remove the filter and clear away lint before washing it with a cloth or soaking it in warm water. The filter is often located in the door or door opening.
- Also wipe the filter housing, the inside of the door and other areas where lint and debris can accumulate.
- Reassemble all parts.
Cleaning Filters in Extractor Fans
Dust, soot, insects, pollen and other airborne particles accumulate in extractor fans. This leads to poor ventilation and air quality, and can also create condensation problems.
How to Clean Filters in Extractor Fans
- Ensure the fan is switched off before you begin.
- Vacuum or wipe the exterior and opening of the fan. If the fan is very dirty, you can wash the exterior and opening with water and soap, or use mould-removing products if there is mould on the fan.
- If the fan can be dismantled, you can also wash the interior with water and a cloth, and place the cover in an empty dishwasher. Once everything is dry, reassemble it.
Cleaning Filters in Fan Heaters
Over time, dust and dirt can accumulate in the filter of fan heaters. When in use, the heater will then burn the dust, which creates poor indoor air quality. In the worst case, this can lead to overheating and fire.
How to Clean Filters in Fan Heaters
- Ensure it is not connected to the power supply.
- Use a vacuum cleaner to remove dust that has accumulated in the fan oven. You can also wipe it with a microfibre cloth.
Cleaning the Filter in a Heat Pump
In the indoor unit of an air-to-air heat pump, there is a filter where dust, pollen and other dirt accumulates. This will cause the heat pump to function less efficiently.
How to Clean the Filter in a Heat Pump
- Disconnect the heat pump from the power supply or remove the fuse.
- Remove the cover of the heat pump's indoor unit.
- Vacuum the filters using a nozzle with a brush. You can also rinse them in clean water.
- Reinstall the filters once they are completely dry.
- Replace the cover and wipe the outside with a microfibre cloth.
Clean your belongings
Keeping things clean extends the lifespan of what you own, and you can more easily detect damage before it develops and becomes more costly than it needs to be. At the same time, a clean home provides a healthy and safe indoor environment. In other words, it's about more than the superficial – it's an essential part of taking care of your home.
You should maintain and clean areas such as drains, water traps, fireplaces, floors, walls, windows, frames, switches, white goods and even places you don't normally see on a daily basis.
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Clean drains
Cleaning drains is important to ensure water flows properly and to prevent blocked drains and water damage.
Hair, grease, soap residue and other debris accumulate in drains, especially in the shower. This makes it difficult for water to flow down the drain, and water can pool in the shower. This can lead to water damage, as well as unpleasant odours.
How to clean a drain
- Remove the drain cover.
- Most modern bathrooms have a cup inside the drain where hair and other debris collect. Pull up or unscrew the cup from the drain and clean it along with any other dirt remaining in the drain. It can be useful to use an old washing-up brush for cleaning. If you don't have a cup, simply clean the drain itself as thoroughly as you can.
- Rinse thoroughly and let the water run for a while so you can see if everything looks fine.
- Put the cup back in place.
The most important thing is to remove waste from the drain. You can also use drain cleaner for extra cleaning. Read the instructions carefully before using cleaning products. You should use a gentle product, preferably liquid, and not use more than recommended. Drain cleaners are strong substances, regardless of which type you choose, so be careful.
Cleaning the trap
Cleaning traps is important to ensure better water flow in the sink, where food scraps, grease, soap residue and other debris accumulate over time. This can lead to blocked sinks, water damage and unpleasant odours.
How to clean the water trap
- You will find the water trap directly under the sink. Loosen and dismantle the water trap. Be careful, as there is often a fair amount of water collected in it that can easily spill out when you disconnect the trap.
- Clean each part of dirt with warm water, cleaning agent and preferably a brush. Be careful with rubber seals.
- Once all parts are loosened, it may be wise to check whether anything needs replacing.
- Reassemble the water trap in place, and ensure that it fits tightly.
Carry out a thorough cleaning
A clean and well-maintained home has reduced risk of damage and retains its value longer. If you do a thorough round of cleaning from time to time, it is easier to spot faults and defects, and you can prevent damage.
Here are some cleaning tips
- Vacuum both floors, carpets, skirting boards and furniture.
- Dust – including places that are hidden and you don't normally check.
- Wash doors, skirting boards, frames and switches.
- Wash the floor.
- Give the bathroom a thorough scrub.
- Clean the oven, microwave and other white goods.
- Tidy and clean inside cupboards and drawers.
- Wash windows.
Cleaning the fireplace
A clean fireplace burns more efficiently and is more environmentally friendly, and is also safer. Clean fireplaces produce less soot, and soot that accumulates in the chimney can cause a chimney fire.
How to clean your fireplace
- Only clean the fireplace when it is extinguished and the ash is cold.
- Crumple and dampen newspaper before dipping it lightly in the ash and rubbing the paper against the inside of the fireplace glass to clean it.
- Remove the ash from the fireplace and empty the ash drawer. It can be useful to keep a thin layer of ash at the bottom of the fireplace – it makes it easier to light a fire. Use a fireproof bucket or ash vacuum cleaner when cleaning the fireplace for ash.
- Check that the fire plates and vault in the fireplace are intact, and that the seals around the fireplace door are in order. Consider whether you should replace parts that are worn.
Clean the fridge
Over time, old food residue and dirt can accumulate in the fridge. You should clean this to prevent food contamination, but also to take care of the fridge so that it lasts longer. You should clean the fridge every month. This also gives you a better overview of the food in the fridge and can reduce food waste.
How to clean the fridge
- Pull out the plug or remove the fuse for the fridge.
- Clear out the food and all loose parts.
- Wash shelves, drawers and the inside of the refrigerator with warm water and a little washing-up liquid. Use a brush to scrub places that are difficult to reach with a cloth. Don't forget to clean the rubber seals.
- Check that the drainage hole in the refrigerator is not blocked. If it is blocked, it can lead to water accumulation in the refrigerator and may cause unpleasant odours. Also clean the drainage.
- Vacuum or wash behind the refrigerator.
- Plug it back in and put the shelves and loose parts back in the refrigerator. Ensure that the refrigerator is set to 2–4 degrees.
- Wipe off sticky food packaging. Sort and put the food back.
Clean the freezer
When the freezer door is opened, warm air meets the cold air inside the freezer. The air condenses, turns into ice, and can form an insulating layer inside the freezer. This forces the freezer to work harder and can increase your electricity costs, or spoil your food if the temperature is not correct. In addition, excess ice can prevent the freezer door from closing properly, which can lead to melting and water leakage. If you have a freezer without automatic defrosting, you must defrost it regularly yourself. It may be wise to plan this task so that the freezer is not completely full of newly purchased items when you start.
How to clean the freezer
- Switch off the freezer.
- Empty the freezer of food. What you want to keep can be stored in a cool box, in another freezer or another cold place.
- Remove shelves and drawers.
- Remove the plug or valve so that water can drain out. Remember to place something to collect the water underneath and have a towel on the floor to wipe up any water you spill.
- Whilst the freezer is defrosting, you can wash the drawers and shelves with soapy water.
- When the freezer has been defrosting for a while, you can remove ice and frost.
- Wash the inside of the freezer with a cloth and soapy water. Then dry thoroughly with a dry cloth.
- When the freezer is dry, you can replace the plug or valve, switch on the freezer and put the food back.
Check what is inside the property
There is much you can do inside your property to prevent damage. This can include checking the hoses on the washing machine, the batteries in smoke alarms, the electrics and whether there is damp in the loft or cellar. Checking things inside your property should be done regularly.
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Lubricate hinges and locks
Hinges and locks on doors and windows can become dry and dirty over time. This makes the lock harder to use, and hinges may start to squeak.
How to lubricate hinges and locks
- Apply suitable oil to the lock or hinges. Have a cloth ready to wipe away any oil if you spill.
- Try the key in the lock a few times. Swing the doors back and forth. This way the oil spreads and you lubricate the lock and hinges.
- Check the screws on the lock and hinges and tighten them if necessary.
Is there a draught?
Avoid draughts from windows and doors that make it cold inside. Over time, draughts can lead to condensation and moisture damage, and in the worst case, mould and rot around windows and doors. In addition, cold air means that many people find themselves having to use more electricity for heating.
You can take simple steps to seal windows and doors. If they are old and ready for replacement, another option is to upgrade to better quality.
As a customer of DNB, you can apply for an environmental loan for energy-saving measures in your home. You can then obtain a separate loan with better terms to switch to low-energy windows.
How to seal old windows and doors against draughts
- Look for mould, condensation, discolouration and flaking paint on the inside of the window. If there is damage, you should consider replacement.
- Search for leaks around windows and doors, for example by lighting a lighter and carefully moving it around windows and doors to see if the flame flickers from a draught.
- If it is leaking, you can remove the existing sealing strips around the frame and replace them with new ones. Make sure to obtain ones that fit your property.
- Once you have removed the sealing strips, clean around the frame with acetone, which is a solvent for removing residue from the old strip.
- Cut to size and attach new sealing strips using the supplied adhesive or tape, or by stapling them in place.
Check the Main Stopcock
Everyone in the household should know where the main stopcock is located at home. This reduces the extent of damage in the event of water leaks. When you know where the stopcock is, you can also quickly shut off the water supply if needed.
Ensure that the stopcock is accessible without obstructions in front of it. You will usually find the main stopcock in the laundry room, utility room, or somewhere in the basement. You may also have separate stopcocks for the kitchen and bathroom only, typically in service hatches or under the kitchen worktop.
You should close the main stopcock if you are going to be away from home for an extended period.
Check Pressure in the Pressure Reducing Valve
A pressure reducing valve is a valve that reduces the water pressure in your home to an appropriate level. If you experience poor pressure in taps or the shower, it may be that the filter in the pressure reducing valve is dirty or blocked. Cleaning the filter should be left to professionals if you do not have experience doing it yourself.
You will find the pressure reducing valve by the main stopcock. The recommended pressure is four bar, but it must not drop below 2.5 bar during use.
If you experience poor water pressure, you should first try to clean the filters in taps and showers. This is easy to do yourself. In addition, many block flats have pressure-reducing valves, and you should therefore clean the filters you can access yourself.
Hoses and connections for dishwashers and washing machines
Over time, hoses and connections for washing machines and dishwashers can become worn. By checking these regularly, you can avoid leaks and water damage at home.
How to do it
- Look for damage and wear on the hose and around attachment points.
- Check that the hoses are securely fastened by feeling with your hand. Over time, even small vibrations can cause connections to loosen.
- Look for signs of leakage around the hose connection and on the floor – ideally right after the machine has completed a cycle.
- If you find signs of leakage, you must replace the hose or seal. Turn off the water supply and unplug the machine before making the replacement.
An insurance-approved water shut-off device is a wise investment. With leak protection, you reduce the risk of water damage becoming more extensive than necessary. In addition, you will receive a reduced excess if the water shut-off device has prevented a larger claim.
Moisture in the basement
Moisture damage often occurs over time. This makes such damage difficult to detect. That is precisely why you should regularly check vulnerable areas, such as the basement, for moisture.
Check the basement for moisture
- Use your nose: Check if you notice a "basement smell" – this is usually the smell of mould, which indicates moisture.
- Look for discolouration or white salt deposits on walls and floors. Damage from condensation and leakage through walls may be due to poor drainage around the house.
- Check that doors and windows are sealed. Cold basements are particularly at risk of moisture damage from condensation if warm air is let in during the summer.
- Ensure that you have adequate ventilation in the basement through vents or by using a dehumidifier. You can use a moisture meter to check whether the humidity in the room is below the recommended 60%.
- During heavy rainfall, you should check whether water is entering the basement through windows and doors.
Tip! If you have a basement used for storage, you should avoid storing items on the basement floor. If water damage occurs, your belongings are less at risk if you store them at height.
Moisture in the loft
Moisture damage often occurs over time. This makes such damage difficult to detect. That is precisely why you should regularly check vulnerable areas, such as the roof and loft, for moisture.
Check the loft for moisture
- Check that the roof and loft windows are sealed and closed.
- Look for discolouration, damp patches and mould on the underside of the roof and walls. Also check whether the floor is damp.
- Check that all pipes are sealed and insulated. At the same time, seal all cracks and gaps around pipe penetrations that could allow warm, moist air to enter.
- Check that the loft floor and hatch are sealed so that warm, moist air does not rise towards the cold loft. This can lead to condensation and consequently moisture damage.
- Check that vents and air gaps are in good, functional condition, and that nothing is preventing ventilation.
Smoke alarms
Smoke alarms save lives. It is an affordable safety measure to ensure you have functioning, approved smoke alarms in your home.
All homes and holiday properties must have at least one smoke alarm on each floor, but it is advisable to have several, for example one alarm in each room, so that you are certain the alarm can be heard clearly from all areas of the home. In addition, the smoke alarms should be interconnected so that they all sound simultaneously and increase the likelihood of you waking up at night.
How to check your smoke alarm
- All smoke alarms have a test button. Hold it in for a few seconds to check if it starts to beep. Press the test button again to stop the sound.
- If the smoke alarm does not beep, you must replace the battery and try again.
- The test should be carried out regularly, preferably once a month.
- You should replace the battery in the smoke alarm once a year, and when the battery is flat.
Fire Extinguisher
A fire extinguisher can effectively extinguish most types of fires that can occur at home. There are different variants, so make sure you know what type of fire extinguisher you have at home and how it works. You should have at least one fire extinguisher on each floor of your home, and everyone in the household should know where it is and how to use it.
How to check a fire extinguisher
- Ensure that nothing is blocking access to the fire extinguisher.
- Fire extinguishers must have a certain pressure to function. There must be an indicator on top of the extinguisher that shows the pressure. Check that the needle in the pressure gauge is in the green zone.
- Check that the seal or tamper seal on top of the fire extinguisher is not broken, damaged or rusted.
- If your device has a hose, you should check it for damage.
- If you have a powder extinguisher, you can turn it upside down a few times to prevent the powder from clumping.
- Fire extinguishers must be inspected by professionals, and you will usually find a label on the device indicating when the next inspection is due. Typically, inspection intervals are every five or ten years, depending on the type of extinguisher you have.
Domestic Fire Hose
Some properties have a domestic fire hose as firefighting equipment. The advantage of a fire hose is that it has access to water and can extinguish fires for a long time and over a large area. If a fire hose is the only firefighting equipment you have, you must ensure that it reaches and can be used in all rooms. Remember that the fire hose must not exceed 30 metres.
How to check the fire hose
- Unroll the entire hose. Check that it is not rotten or cracked.
- Check that the tap for turning the water on and off works.
Electrical Fuses, Sockets and Switches
Many fires occur as a result of electrical faults. If you notice anything suspicious with the electrical installation, you should contact an electrician immediately.
How to check electrical sockets and switches
- Check for heat on the door of the fuse box.
- Check for heat in front of the fuses.
- Look for signs of discolouration in the fuse box.
- Check if there is a burning smell or if you hear crackling in the fuse box.
- Check that the residual current device in the fuse box is working by pressing the test button. If the power cuts out, everything is as it should be. The device is there to cut the power when a fault occurs in the electrical installation.
- Check the surge protection device in the fuse box. If the device has red marks, it must be replaced. The surge protection device protects against voltages that exceed what an electrical installation is designed for, such as lightning strikes.
- Check whether sockets in the property have come loose from the wall or other places where they are fixed.
- Check for heat in cables, extension leads, plugs and sockets.
- Check for damage to cables. They should not be rotten or have cut marks. Ensure that no cables are trapped or pinched.
Water Heater
Regularly checking the water heater reduces the likelihood of both water and fire damage.
Water heaters normally have a useful life of approximately 20 years. If you have an old heater that still works, it will nevertheless not heat the water as energy-efficiently or retain heat as well as newer heaters. In addition, older water heaters have a greater risk of overheating in cables and plugs, and of causing water damage. Therefore, you should consider replacing an old heater.
How to check your water heater
- Feel for overheating in cables, plugs and sockets. You can also remove the plug and look for discolouration, which may indicate a fire hazard.
- Unplug the water heater and check whether the cables behind the heater cover have become discoloured.
- Contact an electrician if you find signs of overheating and discolouration.
- Check for water leaks and moisture around the water heater.
Get rid of silverfish and firebrats
Silverfish and firebrats thrive in humid environments, preferably where there is some debris, such as bathrooms, kitchens, hallways and basements. If you discover silverfish or firebrats, it may be a sign that you have a moisture problem in your home.
These insects are neither dangerous nor cause much damage to buildings. Nevertheless, it can be unpleasant to know that you have such insects in your home. With our best Contents insurance you will have cover for the extermination of firebrats, as well as pests such as cockroaches and bed bugs.
If you discover silverfish or firebrats, you should follow up by investigating the cause of their presence in your home. There can be various reasons for problems with silverfish and firebrats, such as poor drainage or ventilation leading to moisture problems. In addition, the insects can be brought into your home through cardboard boxes and packages that have been stored in an area with insects.
How to combat silverfish
- Reduce indoor humidity by cleaning extractor vents and ensuring better air circulation. You can also use a dehumidifier.
- Clean floors, skirting boards, nooks and crannies regularly.
- Freeze or dispose of vacuum cleaner bags after use to prevent the spread of insects.
- Seal cracks along skirting boards and thresholds to limit hiding places for insects – they like to hide in the dark.
- Control silverfish with sticky traps to reduce the population.
Check the exterior of your home
There are many things you can do outside to prevent damage to your home. This can include ensuring that water is directed away from the house, checking the roof and exterior walls, raking leaves and shovelling snow. This should be done at regular intervals throughout the year.
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Clean gutters and downpipes
Cleaning gutters and downpipes is important to reduce the risk of damage to house walls and pipes. If gutters and downpipes become blocked by leaves, mud and other debris, the pipe can crack when it gets cold outside and water that cannot drain away freezes. Water that flows out from damaged gutters or downpipes can more easily penetrate the house wall or foundation and cause expensive water damage.
How to clean gutters and downpipes
- Use a sturdy ladder to reach more easily.
- Remove leaves, pine needles and other debris that is in the gutter or in the downpipe. It may be wise to start where the water runs down into the drain and work your way along, so that you do not push leaves down into the drain.
- Rinse the gutter clear of sand and mud.
- Check that the gutters have the correct slope and are properly secured. Also check the fixings of the downpipe. Consider installing a leaf guard if you do not already have one.
- Check whether water is directed away from the house when it rains. If not, you should take action.
Check the roof
Weather takes its toll on the roof. Throughout the year, it can loosen or move roof tiles and roofing felt. In addition, moss and vegetation can grow on the roof tiles and create cracks and, in the worst case, moisture damage. Repairing a roof can quickly become a demanding and expensive project, but if you check it regularly and maintain it, you reduce the risk of damage.
How to check the roof
- Look for roof tiles that have cracked, are lying crooked or have other defects both from the ground and using a ladder. This gives you a better overview.
- Before you repair roof tiles that are crooked, loose, or damaged, you should check underneath the tiles to see if the substrate and battens are in good condition. Take action if you see damage or signs of moisture.
- Straighten roof tiles that are crooked or loose, and replace damaged or cracked roof tiles.
- Remove leaves, moss, and dirt that are on the roof.
- Check that fascia boards, fittings, and soffit boards, which are the frames around the roof and house, are in good condition: are they securely attached, intact, and is the paint flaking off? Repair any faults you find.
- Check the condition of the chimney: Use a screwdriver to see if the mortar is starting to come loose and check that the chimney flashing is securely attached, that there is no rust or leak points on the flashing. Assess whether the chimney needs repair.
Check external walls and fittings above windows and doors
Over time, weather and wind will wear down the house's external walls. Paint may start to flake and there may be a risk of moisture, mould, and rot. You should regularly check the exterior of the house to look for signs of an insurance event to avoid costly repairs.
How to check external walls, windows, and doors
- Walk around the house and other buildings you own to check for signs that the paint is flaking off.
- Check the bottom of the cladding for mould and rot. This indicates moisture. Mould is easy to confuse with dirt, but it cannot be washed off, and you will only add more moisture by washing.
- Use a thin, pointed object, such as a knife, to examine the timber. If the knife slides easily into the wood, this is a sign of rot. Sometimes you can replace individual boards, but if a larger area is affected, you should have professionals assess whether you need to replace the cladding on the house.
- Check the fittings above windows and doors for both rot and mould growth.
- Check that moss, bushes, trees or other vegetation is not growing on or under the cladding of the house.
Do not forget that you should paint the exterior of the house before the paint's useful life expires. When the paint is old, it is no longer watertight and protective.
Wash House Walls, Terrace and Fence
It is wise to maintain exterior walls, as well as terraces and fences, in order to detect damage as early as possible. By washing the house walls and other woodwork, you can combat mould and rot, as well as carry out a regular check of your house's condition.
How to Wash the House Exterior
- Rinse the exterior walls with a garden hose. You can also use a pressure washer, but be careful not to damage the timber cladding by forcing water into the wood with the powerful pressure.
- Use a cleaning agent suitable for outdoor timber cladding and apply from the bottom upwards.
- Use a brush and scrub the wall. Try to keep it moist throughout.
- Rinse off the soap from the top downwards. If you are planning to paint the wall, you must ensure that the wall has dried completely before further treatment.
- Carry out the same treatment for the terrace and fences.
Template the House
Over time, paint can begin to flake. This makes the house wall more susceptible to moisture, which creates conditions for mould and rot. Therefore, you should regularly check the condition of your exterior wall and repaint when the paint looks damaged or its useful life is nearing its end.
How to paint your house
- Look for areas where the paint has begun to flake or appears dull.
- Measure moisture in the wood using a moisture meter. Wait to paint until the wood has sufficiently low moisture content – this is specified on the paint you are using. Normally, cladding should be dry enough after one to two days of sun; if not, you must repair it before painting.
- Wash the exterior wall and let it dry completely before painting.
- Scrape off flaking paint.
- Cover surfaces where you do not want paint splashes.
- The actual painting process must not be done in blazing sun. Wait until it is overcast or in shade.
- Prime the end grain, underneath and at the bottom of the cladding board, several times until the wood stops absorbing the primer.
- Also apply primer to the areas where you have scraped paint and let it dry completely.
- Template for the exterior wall: Start by painting details along the ceiling, then paint the wall itself, and finally paint details around window frames, door frames and other areas.
- Allow the paint to dry before applying a new coat in the same order. In the meantime, the brushes can be wrapped in plastic or washed for reuse.
Maintain the garage door
A garage door has many moving parts that require maintenance – especially in winter when it is cold. Springs and other metal mechanisms contract in the cold and can wear out if you do not take care of the garage door. You should therefore prepare the garage door for winter to extend its useful life and avoid annoying squeaking noises.
How to take care of the garage door
- Check for wear and damage in and around springs and other metal mechanisms in the garage door. Perhaps the movements of the door are more abrupt or uneven when you open and close it than usual?
- Clean moving parts and mechanisms, such as springs, fittings, tracks and wheel axles, to remove dirt.
- Lubricate the mechanisms with suitable spray grease. Avoid oil-based products – they rarely work well at low temperatures. Use a cloth to wipe off any grease that drips or spills.
- Use the gate, swing the door and move the mechanisms back and forth to spread the lubricant.
- Check whether the garage door's seals are dry, worn or flattened. Also check if you can feel draughts at the bottom edge of the door. It is recommended to have good, tight seals on the garage door to insulate and reduce draughts. Replace the seals if necessary.
- Tidy the garage and clean it. You should store your belongings on shelves or off the floor.
- Make sure to wipe away moisture and remove ice when it occurs. You should also shovel snow away from the garage door. Snow and ice can damage the garage door and make it difficult to open and close it properly.
Drainage
Ensure that water is directed away from the house by having proper drainage. Water that accumulates against the house wall can, over time, cause significant moisture damage. If you have asphalt around your house, you must be extra vigilant because water cannot drain into the ground as easily. Consider whether you should replace part of the asphalt with paving stones, gravel or shingle.
How to direct water away from the house
- Connect drainage pipes to the downpipes that run from the gutter to the ground and lay the pipes out on the lawn or flowerbed a few metres away from the house wall. This prevents water from the roof from accumulating at the foundation.
- Check the slope from the property and ensure that the gradient is away from it. If it slopes towards the house, you should move soil and create diversion ditches to direct the water away. Consider whether you need professional help.
- Check the basement for signs of moisture due to poor drainage: smell for mould, look for discolouration on walls and floors, and check whether water enters during heavy rainfall.
- If you have an old drainage system, you can contact professionals to check the condition of the pipes. Remember also that old drainage does not necessarily withstand the wetter, wilder weather we are experiencing now. The lifespan of drainage systems can vary, from 20 to 50 years.
Check for pests
Pests such as mice and rats can cause significant damage to your home. They gnaw through timber, floors, ceilings, wiring and more, and are also unpleasant to have in the house.
How to check for pests
- Under the cladding of your house, you should have rodent barriers, which are thin metal strips that prevent pests from entering. Check that they are in good condition, free from cracks and holes. These can easily be replaced if necessary.
- Look for cracks and holes between the foundation and the house wall. Check carefully where you have cables, air vents, valves, drains and basement windows.
- Seal all cracks and holes with steel wool, steel mesh or steel plates.
- To prevent pests from visiting, you should tidy up the garden and remove woodpiles and other hiding places for rodents. Keep vegetation along the house wall to a minimum.
- Remove animal feed, compost, bird seed, fruit and rubbish that attract pests.
- Prune trees that have branches towards the house, remove ladders and anything else that allows pests to climb higher up the house wall or roof.
- If you discover pests, you should set out traps. Avoid poison, as this can harm others besides just pests. Consider whether you need help from professionals.
Carry out garden work
Garden work reduces the risk of pests that are attracted to fallen fruit, compost heaps and vegetation, whilst also providing better growing conditions for trees and other plants in your garden. Fruit trees should also be pruned to prevent diseases in the tree and to ensure it grows properly and bears fruit.
Garden work you should prioritise
- Prune fruit trees, hedges and other bushes by cutting off the new small branches that point upwards (these usually do not bear much fruit), dead branches and large branches that may pose a risk to power lines or your house. Remove the branches you cut off.
- Clear away rubbish, old leaves, woodpiles, plank piles and compost heaps in your garden.
- Mow the lawn regularly and remove weeds.
- Add compost or fertiliser to improve soil quality and provide nutrients to the plants.
Rake leaves
You should rake leaves to prevent them from lying on the lawn and causing damage or attracting pests. If you have a thick layer of leaves in the garden, you can rake them into piles and put them in bin bags. Then you can use the lawnmower on the highest setting, without the grass collector, and go over the lawn to provide nutrients to the grass.
Check the heat pump's outdoor unit
If you have a heat pump with an outdoor unit, you should check this to avoid damage and achieve better performance.
Throughout the year, leaves, vegetation, snow and other debris accumulate around the outdoor unit, which you should clear away. In addition, you must regularly check for water running out from the outdoor unit. It is normal for the heat pump to discharge water, but it is important to prevent large amounts of water from accumulating, freezing into ice and potentially damaging the exterior wall of the house. This can lead to damp problems and water damage.
How to check the heat pump
- Ensure that the heat pump is not covered by leaves, debris, vegetation, snow and ice. There should be sufficient air circulation around the outdoor unit, especially at the front.
- Brush and clean the outdoor unit as needed. Ensure that no water remains that could freeze.
- Check whether water is leaking from the heat pump and ensure that it is directed away from the house wall.
Various Preparations Before Winter
It is useful to make some simple preparations before winter. This will help you avoid damage and extend the lifespan of your belongings.
How to Prepare for Winter
- Bring in outdoor furniture, decorations and other items that may be damaged by frost, snow and ice.
- Turn off outdoor taps by closing the internal stopcock and drain any remaining water from the pipe. Bring in the garden hose.
- Ensure that water is directed away from the house. This will help you avoid damaging frost near the house wall.
- If you have a robotic lawnmower, you can charge it before disconnecting cables and wires and storing it away for winter. You can also clean it with a dry cloth and remove grass. You should also charge the mower once during winter to extend the battery life.
Shovelling Snow
You can avoid moisture damage to your home by being diligent with snow shovelling. When you shovel snow, you should not shovel it towards the house or garage wall. If snow is left against the wall, it can lead to moisture damage to the cladding and window frames. When the snow melts, you also risk having several puddles of water near the foundation.
Remember this when clearing your property of snow
- Shovel snow on the ground away from house walls. Start early, as the snow can quickly become heavy.
- Shovel snow away from verandas and balconies.
- Monitor the amount of snow on the roof and assess whether you should shovel it. If you hear creaking sounds and bangs in the house structure, or doors and windows have become harder to open, these are signs that you should shovel the roof. Houses built between 1949 and 1979 typically have lightweight roof structures and should be shovelled before the snow reaches half a metre, or 40 cm in the case of wet snow.
- Do you have a cabin? Monitor the amount of snow and shovel as needed.
Smart security measures in your home
Install alarm
Did you know that you pay a lower price on home insurance if you have installed a home alarm? You can Calculate price and get a quote on home insurance online.
Smart home technology
With customer programme in DNB you get access to many benefits, such as Discount on smart home technology and a keyless everyday life. This allows you to control your front door wherever you are, making everyday life a little easier.
Water shut-off valve
A leak stopper, or water shut-off valve, is a device or system that detects leaks and shuts off the water supply in your home. This helps you limit the extent of damage caused by leaks.
You will receive a reduced excess if you have a water shut-off valve that has prevented a major insurance claim, on home contents, house and cabin insurance.
Fire escape ladder and fire drill
Everyone should know about and have safe escape routes from their home. Therefore, it may be wise to install a fire escape ladder on the outside of the house, which everyone in the household knows how to use. Everyone should try opening and climbing down the ladder to become familiar with the escape route. – Perhaps you could arrange a fire drill and review fire extinguishers at the same time?
Remember to choose a fire escape ladder that is approved by Sintef, and obtain documentation from a qualified professional who installs the ladder.
Always use heating in wet rooms
Avoid frost damage to pipes and in wet rooms by always keeping these rooms heated. You are responsible for ensuring that all rooms in the house are sufficiently heated to prevent frost damage.
Install a cooker guard
All new homes and homes that must install new electrical wiring to the cooker must have a cooker guard installed.
A cooker guard consists of a sensor and a circuit breaker. The sensor monitors the hobs, and if it detects a fire hazard, it triggers an alarm. If no one responds to the alarm, the sensor will instruct the circuit breaker to cut the power to the cooker. The circuit breaker is located in the fuse box or behind the cooker.
If you have an older kitchen, you should still consider installing a cooker guard as a smart safety measure in your home. Remember to choose an insurance-approved cooker guard, and obtain documentation from an electrician for the installation work.
Benefits of water leak detectors
Using water leak detectors is damage prevention in practice. Did you know that a water leak occurs every nine minutes? Such damage costs Norwegian society NOK 3,400,000,000 per year.
A water shut-off system is a system that detects leaks and shuts off the water in your home. This helps you limit the extent of damage from leaks. As a customer of DNB, you can also achieve a number of other benefits with a water shut-off system in your house, including a discount on insurance, reduced excess and a water shut-off system at a favourable price.
Install a water shut-off system – get reduced excess in the event of a claim
When the water shut-off system prevents major water damage to water pipes.
10% discount on home insurance
With Waterguard+ from Abra after 25.1.24 or upgrade.
Favourable price on water shut-off system and equipment
As a customer of DNB, you get a favourable price on equipment from Abra.
Water protection
In the event of a leak, the water supply is automatically shut off.
Frost protection
Waterguard+ shuts off the water if the temperature becomes too low.
Water control from your phone
Turn water on and off with the app.
Adaptations to a changing climate
5 resultis
Direct water from the roof and surface water away from the house
Surface water and water from the roof that collects around the home's foundation can lead to moisture damage in the building structure and leakage into the basement. The same applies to rainwater if you have old or inadequate drainage, or existing damage to the exterior wall and foundation.
Measures to reduce potential water damage
- Check the gutters regularly and ensure that the downpipes direct water away from the property and not towards the foundation. Use extensions if necessary to ensure effective drainage.
- Connect flexible drainage pipes to the downpipes and lay the pipes out on the lawn or in flower beds a few metres away from the property if you have the space.
- Ensure that twigs, leaves, sand, gravel and ice blockages do not obstruct water in drains.
- Check the drainage by looking for signs of water entering the basement, or if there is dampness in the basement.
- Contact professionals if you are unsure whether there is dampness in the property or if you have adequate drainage.
- If you have slopes on the property that lead towards the house, you should move soil and create drainage ditches to direct water away.
- Regularly check the foundation wall for damage such as cracks, holes and leaks.
- Choose materials that drain well, such as gravel on the driveway.
- Monitor whether water is collecting along the house wall. If so, you should take action.
Keep the area around the foundation wall clear
When you keep the area around the house's foundation wall clear, the risk of damage caused by water and soil accumulating is reduced.
How to keep it clear
- Trim or remove bushes, trees and other vegetation growing near the foundation. Roots and moisture from vegetation can damage the foundation.
- Avoid flower beds or plants along the foundation.
- Ensure distance between the foundation and objects that can collect moisture.
Delay water during extreme rainfall
By delaying water during extreme rainfall, you help reduce the risk of flooding. This is because the amount of water is spread out over time, so that it does not all arrive at once, accumulate and overload the drainage systems.
How to delay the water
- Plant trees, bushes and other plants – they absorb water.
- Shape the terrain with natural areas for water collection.
- Investigate whether you can establish a green roof with plants on your property.
- Lay pipes or dig drainage ditches to delay and manage surface water.
Maintain and Clean Grates, Drains and Gutters
Maintaining gutters, drains and grates reduces the risk of damage to your house and property. This is especially important in autumn when leaves and pine needles accumulate and can form blockages. When winter arrives, the water can then freeze and damage the pipes.
How to Check Gutters, Drains and Grates
- Check regularly for blockages or damage to grates, drains and gutters.
- Remove leaves, pine needles and other debris.
- Rinse with water to remove small particles of dirt and ensure the water flows as it should.
- You can also use professionals if you have difficulty accessing and doing the job yourself.
Choose the Right Surface That Ensures Water Drainage
Are you choosing a new surface for your property? If so, select a surface that provides drainage. This will help you prevent potential flooding problems to the greatest extent. If you have asphalt around the house, you should consider replacing it. You can use paving stones, gravel or shingle to allow rainwater to drain more effectively into the ground. Also consider whether you should adjust the terrain on your plot to direct water away from the property. Don't forget to remove debris and leaves regularly for better drainage.
Secure Your Property During Storms and High Winds
Strong winds can cause significant damage. Monitor weather forecasts when storms are approaching.
Secure your property during storms and high winds
- Clear outdoor areas such as gardens and terraces of items that could be taken by the storm: Remove or secure garden furniture, toys and trampolines.
- Inspect your roof and repair any loose roof tiles or other items that the wind could catch.
- Consider whether you should secure windows and doors with plywood boards.
- Prune trees and other vegetation that has grown in such a way that it could damage the house.
Water damage
Roof leakage
It is important to monitor your roof. Heavy rainfall and extreme weather are challenging for the house's walls and roof. Over time, the roof will also become worn and require maintenance. Remember that you are responsible for monitoring and maintaining the roof to avoid damage. Roofs that are damaged or leak due to poor maintenance are not covered. You should therefore regularly check the roof.
However, you may be covered for consequential damage resulting from roof leakage if you have top home insurance.
Sudden damage that leads to a leaking roof is covered by your home insurance. An example of this could be if a tree suddenly falls and damages the roof.
Leakage from water heater
If you have had a leakage from a water heater, you may be covered for consequential damage under your home insurance. Damage to the heater itself caused by lightning strike, short circuit or electrical fault may also be covered by the insurance, with age-related deduction on the heater.
Damp and water in the basement
Damp and water in the basement can lead to mould and, in the worst case, rot. This can pose a health risk to those living in the property. If you have problems with water and damp in the basement, you should therefore start drying and ventilation as quickly as possible.
The cause of damp in the basement is often poor drainage around the house or poor ventilation, which results in high humidity and condensation. Home insurance does not normally cover damage resulting from lack of maintenance.
Surface water management is beneficial for insurance
If you have installed damage prevention solutions to delay or reduce the amount of surface water in connection with extreme rainfall, no excess is deducted for surface water damage. This may include measures such as customised solutions for collecting water in tanks and reservoirs, ditches and ponds, or green roofs with planting.
Interior design tips that keep your home in better condition
- Use furniture pads under furniture to avoid scratching and damaging the floor.
- Office chairs on wheels should have a mat under the chair to protect the floor from wheel marks.
- Is the floor worn? Consider whether you can achieve a good appearance by sanding or treating it instead of laying a new floor. This can save you both time and money.
- Use an indoor doormat with a rubber backing. This way you won't have to worry about water and snow seeping through the mat and damaging the floor.
- When you need to hang something on the wall, consider whether you can use self-adhesive hangers that don't damage the wall.
With a customer programme at DNB, you have a range of fixed discounts when using a discount code and the associated bank card – also for much of the interior furnishings you need.