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Checklist: Is your home ready for the rainy season

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If you're not ready, the monsoon can be a nightmare for your house, even when it does provide some respite from the heat. Fix any wall or ceiling cracks, unclog clogged drains, and check your roof for leaks before the rainstorms hit your city. In particular, if your windows and doors have sustained damage over time, waterproof them. Keep in mind to keep electronics off the ground. This is where it's particularly wise to put in place a good house insurance plan. A Bharat Raksha Griha Policy, property insurance, or building insurance, makes sure you're insured. Examine home insurance and a reputable monsoon insurance cover that will truly shield your money if water infiltrates areas it shouldn't.

Checklist for inside the house

Preparing the interior of your house for the monsoon season is equally as crucial as safeguarding the exterior. If not addressed right away, electrical risks, moisture seepage, and humidity can subtly harm your possessions and building. This comprehensive yet easy-to-follow checklist will assist you in getting the interiors ready before the rain arrives.

1. Structural integrity:

Look for any cracks in your floors, walls, and ceilings first. Particular care should be paid to older parts of the house, corners, and spaces close to windows and doors. Fill up any obvious gaps with waterproof sealants to stop seepage during periods of high precipitation. If the bathroom, kitchen, or lower ground floors are high-risk locations, you might even need to think about applying waterproof paint.

2. Protection of property:

To prevent moisture damage, move large, heavy furniture a little away from walls. Because wooden furniture is particularly susceptible, use waterproof covers. Electronic devices should be kept out of windows and moist locations. To prevent short circuits during lightning storms, unplug electronics or, better yet, install surge protectors.

3. Water management:

Clogged drains in the bathroom or kitchen can result in standing water, which can serve as a bacterial breeding ground. Regularly and thoroughly clean them. Additionally, make sure your doors and windows close all the way; caulk or weather-strip any openings. During the monsoon, enough ventilation is also essential. To control humidity, use exhaust fans in kitchens and bathrooms and, if possible, install a dehumidifier.

4. Cleaning and maintenance:

Keep an eye out for mould or mildew and routinely wipe away damp areas. Use a moderate disinfectant to clean the floor to prevent musty odours and slick surfaces. Don't ignore the emergence of mould; get professional assistance to remove it before it spreads.

5. Electrical safety:

Examine every electrical point, including exposed wires, switches, and plugs. Get anything fixed right away if it appears moist or worn out. If your hands are moist or you're standing on a damp surface, stay away from any electrical equipment. As power outages are frequent during periods of intense rain, keep a torch or flashlight close at hand for emergencies.

Checklist for outside the house

Making your home's outside monsoon-ready is equally, if not more, crucial than preparing its interior. Your home's exterior is its first line of defence, and little problems like blocked drains or roof cracks can become serious problems once the rain starts. This simple-to-follow checklist will aid you in getting your home's exterior ready for the rainy season.

1. Roof Inspection and Repair:

Begin by doing a comprehensive roof inspection. Keep an eye out for any cracks that could let water enter, cracked tiles, or missing shingles. Don't disregard any wet areas on the ceiling that you may have seen in the past; if necessary, seek professional assistance. To prevent rainwater intrusion, paint or apply a waterproof coating to your exterior walls and roof. Your home insurance company will assume you've maintained this easy step, which can help you prevent future expensive repairs.

2. Windows and doors:

Inspect each window and door for any cracks or gaps, particularly on patios and balconies. Use foam strips or weatherproof sealants to close these gaps. Additionally, make sure all windows and doors close securely. This is a simple yet efficient way to keep the humidity and rain out.

3. Drainage system:

One of the main causes of waterlogging is clogged drains. Before the rain begins, clear your terrace drains, downspouts, and gutters. Verify that rainfall is not accumulating close to the foundation but is instead flowing away from your home. In addition to harming the structure, poor drainage can erode your walls and provide mosquito breeding grounds, which is a whole other problem.

4. Walls and foundations:

Examine external walls for cracks, particularly in the areas next to windows, doors, and corners. Use waterproof cement or sealer to fix these. Additionally, look for termite trails near the foundation, as termites are more likely to be active in moist conditions. Early treatment can help you avoid major structural problems down the road. If this type of damage becomes unmanageable, having strong building insurance or property insurance coverage can help you.

5. Outdoor décor and furniture:

Bring any furniture inside. Use waterproof covers for items that must remain outside, such as potted plants or garden seats. Keep your outdoor area neat and clear of items that could attract bugs or collect water.

6. Electrical safety:

Extra caution is required around outdoor electrical outlets. Ensure that they are adequately covered and shielded from precipitation. To avoid shocks or short circuits, any exposed wires or rust should be fixed right away.

7. Additional important points:

Cut down overgrown trees and branches that are hanging close to your roof or electrical lines, since strong winds can cause them to fall. Make sure there is no possibility of overflow and secure your water tanks. Lastly, make sure you have adequate homeowners insurance or monsoon insurance coverage to protect your finances. A Bharat Raksha Griha Policy may also be a wise decision, particularly if flooding is a problem in your area.

Conclusion

Peace of mind is more important than repairs when it comes to getting your house ready for the monsoon. You can avoid a lot of tension when the rain comes by paying a little attention now with home insurance. Verify that everything is sealed, safe, and secure by checking every area, from the roof to the drain. Beyond that, remember to organise your documentation as well. If something goes wrong, a solid house insurance plan that is supported by the appropriate building or property insurance provides you with financial protection. If you reside in an area that is prone to flooding, think about plans like homeowners' insurance or the Bharat Raksha Griha Policy.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

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