Free Checklists for Every Major Home Decision

• License number verified with state contractor board
• Certificate of insurance received and confirmed active
• Written permit pulled or confirmed not required
• Line-item estimate (not lump sum) provided in writing

+ 11 more items in the full checklist

• Evidence of active water intrusion (staining, efflorescence)
• Roof age over 15 years or missing/damaged shingles
• HVAC system over 12 years old without service records
• Panel box is Federal Pacific or Zinsco brand (fire risk)

+ 9 more items in the full checklist

• Spring: Check roof for winter damage before rainy season
• Summer: Service HVAC before peak cooling months
• Fall: Clean gutters and downspouts before first freeze
• Winter: Insulate exposed pipes in unheated spaces

+ 16 more tasks across all four seasons

• Closing Disclosure received and reviewed 3 days prior
• Final walkthrough completed within 24 hours of closing
• Cashier's check or wire transfer confirmed (not personal check)
• Government-issued photo ID brought to closing table

+ 8 more items for a smooth closing

• Photos and video taken before any cleanup begins
• Policy reviewed for ACV vs. RCV coverage
• Adjuster's visit documented with your own notes
• First settlement offer not accepted without review

+ 10 more steps to protect your claim

• Annual maintenance budget set at 1–3% of home value
• Property tax reassessment risk reviewed at purchase
• HOA financials and reserve fund reviewed before buying
• Utility baseline costs obtained from seller or utility provider

+ 7 more line items most buyers miss