Rain is good for the lawn, but water is one of the most common sources of home damage. When wet weather settles in, your home’s exterior is its first line of defense. If you are a new homeowner, a walk around the outside of your house before the rainy season can help you spot problems early, while they are still small.
Gutters are designed to carry water off your roof and away from your home. When they are clogged with leaves and debris, water spills over the sides and can collect near your foundation.
Storms and seasonal weather can loosen or damage shingles. From the ground, use binoculars to look for missing, curled or cracked shingles, damaged flashing around chimneys and vents and any sagging areas. Inside, check the attic and ceilings for water stains. If you spot trouble or are not comfortable assessing it yourself, call a licensed roofer. Climbing on a roof is best left to professionals.
Gaps around windows and doors can let water seep into walls, where it may go unnoticed until it causes damage. Inspect caulk and weatherstripping and replace anything that is cracked or pulling away. Check window sills and door thresholds for soft spots or peeling paint, which can signal moisture problems.
Paint and siding do more than look nice; they protect the structure underneath. Walk around the house and look for cracks, gaps, loose boards, bubbling paint or areas where the finish has worn away. Small repairs and touch-ups now can prevent rot and more expensive fixes later.
The ground around your home should slope away from the foundation so rain drains outward. Over time, soil can settle and create low spots where water pools. Add soil to build up areas next to the house, keep mulch from piling against siding and watch where water collects during a heavy rain to spot trouble areas.
If you notice persistent damp spots, musty smells, foundation cracks or water in a crawl space, consider a professional inspection. Catching water issues early can save you a lot in repairs.
If your inspection turns up bigger projects, such as a new roof or replacement windows, financing options like a HELOC or a cash-out refinance may help, depending on your situation. Talk with a FLO Mortgage loan officer to explore what might work for you.
A FLO Mortgage loan officer can walk through your options, run real numbers and help you choose a loan that fits.
This article is for general education and is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines and program availability. FLO Mortgage, Company NMLS #1835856. Equal Housing Opportunity.
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