• Monsoon brings a great deal of pleasure and relief from the heat of summer. However, it can also create problems such as floods or water-logging, which may damage your home structures and personal belongings. One effective way to safeguard your home from financial repercussions caused by the monsoon is to obtain a home insurance policy. Property insurance or homeowner insurance protects your residence’s content and structure from unfortunate incidents like theft, fire, natural disasters (storms, cyclones, etc. ), or man-made events (riots and terrorism). Besides this, it is essential to go through some crucial checklists for home maintenance during the monsoon.

• Check the Roof:
  A leaking roof is quite frustrating and unsafe. Moreover, roof leaks can truly damage your belongings and home. This is why caring for your roof is a primary requirement for good home maintenance before the monsoons arrive. Look for stains on your ceilings that may suggest seepage or standing water on your roof. Make sure to seal these areas correctly and treat them before the rains come for a properly secured roof.
  
• Inspect Walls:
  Examine walls for any cracks or fungal growth and prioritize these when compiling a checklist for home maintenance during the monsoon. Repairing cracks and applying a good coat of weatherproof paint will keep your walls dry. Fungal growth, mildew, and mold will generate unhealthy musty smells in your home and should be eliminated using bleach or a disinfectant to ensure a pleasant scent in your home.
  
• Check the Drainage:
  Inspect drainage gutters and pipes for any blockages or leaks and replace, unclog, or repair as necessary. You should also check level areas for water accumulation and make sure that the drainage pipes’ width placement is adequate to handle the rain flow. Blocked drains and stagnant water serve as breeding grounds for mosquitoes and other germs. This should be included in your monsoon safety checklist. Debris like leaves, plastic, and dirt can clog the entry points of your home’s rainwater drainage lines, leading to flooding on the terrace or even overflowing into your house. To prevent such unfortunate incidents, remember to clean all inlets thoroughly during the monsoon.
  
• Ventilation:
  As humidity levels rise during the monsoon, you may require a respite from the dampness. This is when having a well-functioning AC or a dehumidifier will help in reducing moisture and providing a necessary level of comfort. Thus, incorporating AC cleaning into your home maintenance plan is crucial to prevent dampness from accumulating in your home.
  
• Check Wiring and Switchboard:
  To avoid electrical issues such as short circuits, have all the electrical wiring inspected, install a voltage regulator, and plug electrical sockets. In cases of water leakage from the roof, water can travel through hidden electrical pathways. Therefore, if there has been a history of leakage near the switchboard, be sure to repair it accordingly.
  
• Protect Your Wooden Furniture:
  Clean wooden furniture using a dry cloth or a vacuum during the rainy season, especially if they are old; then enhance their appearance by applying varnish. This is one of the most overlooked preparations for the home during the monsoon.

Conclusion
The previously mentioned home maintenance checklist for the rainy season can assist in preventing significant accidental damage to your house. Nevertheless, for comprehensive protection of your home’s structure and its contents, you may choose the HDFC ERGO home insurance policy, which covers possessions worth up to Rs 25 lakhs.

Disclaimer:
The information provided above is intended for illustrative purposes only. For additional details, please consult the policy wordings and prospectus before finalizing the sale.