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.
Cleaning filters in
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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.
Cleaning
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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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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.
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
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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.
Water damage
Water damage with water shut-off device?
Have you installed a water shut-off device in your home that has prevented major water damage to water pipes? You may be eligible for a reduced excess on your claim.
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.