Owning a home comes with a long list of responsibilities, and while most homeowners stay on top of the big tasks—mortgage payments, insurance, and major repairs—there are plenty of smaller things that get overlooked.
Some of these forgotten tasks could be costing you money, while others might be putting your home at risk. How many of these have you forgotten to do?
1. Changing Your Furnace Filter
A clogged furnace filter can make your heating system work harder, leading to higher energy bills and a shorter furnace lifespan. Filters should be replaced every 1 to 3 months, depending on usage and household dust levels.
Guilty? Check your furnace filter today—it’s a quick fix that can save you money.
2. Cleaning Out the Dryer Vent
Lint buildup in your dryer vent isn’t just inefficient—it’s a major fire hazard. Even if you clean the lint trap after every load, lint still accumulates in the vent over time.
How to fix it: At least once a year, disconnect the vent hose and vacuum out any trapped lint.
3. Checking Your Mortgage Terms Before Renewal
Many homeowners blindly renew their mortgage with the same lender without shopping around. Doing so could mean missing out on lower interest rates or better terms.
If your renewal is coming up, now is the time to explore refinancing options. Use our Mortgage Payment Calculator to see if you could be saving money.
4. Testing Smoke and Carbon Monoxide Detectors
When was the last time you tested your smoke and CO detectors? These life-saving devices need to be checked at least once a month, and batteries should be replaced annually.
Pro tip: If your detector has a test button, press and hold it—if you don’t hear a loud alarm, it’s time for new batteries or a replacement unit.
5. Flushing the Water Heater
Over time, sediment builds up in your water heater, reducing efficiency and potentially shortening its lifespan. Flushing the tank once a year helps remove buildup and keeps the heater running smoothly.
If you notice your hot water supply doesn’t last as long as it used to, sediment might be to blame.
6. Sealing Gaps and Cracks Around Windows and Doors
Small gaps and cracks in window and door frames can lead to drafts, heat loss, and higher energy bills. Many homeowners forget to inspect and reseal these areas, especially before winter.
Simple fix: Use caulking or weatherstripping to keep your home more energy-efficient and comfortable year-round.
7. Cleaning Out the Gutters
Clogged gutters can lead to water damage, roof leaks, and even foundation issues. Many homeowners don’t think about their gutters until they overflow during a storm.
How often should you clean them?
✔ At least twice a year (spring and fall)
✔ More often if you have trees nearby
8. Checking Your Home Insurance Coverage
Life changes—but does your home insurance keep up? Many homeowners stick with the same policy for years without checking whether they’re fully covered for upgrades, inflation, or new risks.
Take 10 minutes to review your policy and ensure you have adequate coverage for your home’s value and contents.
9. Inspecting the Attic and Basement for Leaks or Mould
The attic and basement are the two areas homeowners tend to ignore the most—yet they’re often where water damage, mould, and insulation issues start.
Quick check:
✔ Look for water stains, mould growth, or musty smells
✔ Ensure your attic has proper ventilation to prevent moisture buildup
✔ Check the basement for cracks in the foundation or signs of leaks
10. Reviewing Your Home’s Emergency Preparedness Plan
When was the last time you checked your emergency supplies, evacuation plan, or backup power options?
Do you have:
✔ A stocked emergency kit with flashlights, batteries, and first aid supplies?
✔ An updated list of emergency contacts?
✔ A plan for what to do in case of a power outage, flood, or fire?
Being prepared can make all the difference in an emergency.
Final Thoughts
Being a homeowner means staying on top of maintenance, finances, and safety—but it’s easy to let things slip through the cracks.
If you’re overdue for a mortgage check-up, now is the time to see if you could be saving money through refinancing or securing better terms.
Contact The Local Broker for expert mortgage advice and personalized financing solutions.
