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7 Myths New Homeowners Fall For

Shannon Jones

Shannon Jones has been selling real estate since 1998 and specializes in listing and marketing homes...

Shannon Jones has been selling real estate since 1998 and specializes in listing and marketing homes...

Sep 28 6 minutes read

You’ve signed the closing papers and have your new house keys in hand.

As you open the door to your exciting — and sometimes overwhelming — new life as a homeowner, steer clear of these seven common homeownership myths. Avoiding them will save you time, money, and protect your home value.

Myth #1: I Should Re-Up On My Home Warranty

A home warranty is like a $500 bottle of wine. If someone else pays for it, why not enjoy it?

And sellers often do offer them as an incentive to help buyers (especially first-timers who often have limited budgets) feel more secure about having financial help for any unexpected repairs.

If your seller tosses one into your deal, great. Use it. But when the warranty runs out, unless you've used the warranty extensively and expect to continue, resist the temptation to continue it. Put the money into a home maintenance savings account instead. Home warranties aren’t cost-effective for homeowners to purchase themselves. The coverage is often limited, and warranty companies have oodles of red tape that can delay repairs for days, even weeks.

Myth #2: Mowing Grass Extra Short Means Mowing Less Often

Grass blades collect sunlight. Cut them too short and they can’t soak up enough to survive, which makes for brown, patchy grass and weeds galore. Which means you just killed your curb appeal, too.

Save the grass — and your home’s good looks — by cutting your lawn no more than one-third the length of the blades at each mowing. Overall, aim to keep the grass between two-and-a-half and three inches high.

Myth #3: If My Water Main Springs a Leak, The Water Company Will Cover It

Nope. The city fixes the public water lines from the road to your property, but you’re responsible for the main that runs from your property line to your dwelling.

A broken water main can cost anywhere from $500 to a shocking $3,000 (or more!) to repair. Plus: all that water everywhere. And you may have to pay for that water, too, which also can run into the thousands, especially if you don’t address the leak quickly.

The most common cause of water main breaks is tree roots getting into older pipes. If you have mature trees with roots pushing up the sidewalk or driveway, that could be a hint that you might encounter a water main break — or sewer line break (yup, just like the water line, the sewer line on your property is your responsibility).

And don’t waste money on special water pipe insurance. It’s not worth it. You’re better off putting that money into a home maintenance account. Besides it only covers fresh-water pipes.

Myth #4: I Can Remove a Tree or Paint My Mailbox Any Color

Before yelling “Timber!” or choosing paint colors, think about your neighbors. If you bought a condo, co-op, or a home in a neighborhood with an HOA (homeowners’ association) you may not actually have the right to do that — without your neighbors’ consent, that is. What an HOA (or condo association or co-op board) may control is surprising. Things like pet ownership, outdoor clotheslines, or even parking in the driveway instead of your garage.

So check the rules. Because breaking them could cost you — by making you redo a remodel, or fining you. But keep in mind that HOAs are there to protect your home value. They’ve got your back. Just stay in touch with the rules so you don’t make a costly mistake.

And even if you don't live in a common-interest development with an HOA, be aware of making any changes with regards to trees on the median strip. The city has some say as to the planting and removal of trees there. 

Myth #5: When The Pipes Clog, Pour In a Bottle of Drain Cleaner

While drain cleaners are quick and convenient, they can cause more (and bigger) problems than they fix. They don’t typically remove the entire clog, making it more likely to recur — and their caustic chemicals can wear away the insides of the pipes, causing leaks.

Instead, invest in a $15, manually-operated drain snake at the hardware store, or rent an electric one to clear bigger clogs. Then use screens to prevent food scraps and hair from getting in your pipes. And keep everything but sewage and TP out of the toilets. Always.

Myth #6: My Neighbor's Tree Fell In My Yard, So They'll Pay For It

Well … that depends. Your first step, no matter what, is to call your insurance company. They’ll restore your property and then decide whether to pursue the neighbor for reimbursement. That may be tough, though, (and awkward) because in order to collect the insurance company needs proof that the neighbor knew the tree was old or damaged, and didn’t maintain it.

The good news is that your policy should cover tree damage caused by wind, water, and storms. It may also cover hauling away tree debris if it damaged your home. Likewise, if your tree falls on a neighbor’s property, don’t rush over with a wad of cash. Offer your sympathies, and let them know you’ll wait to proceed until their insurance company contacts you. And always keep receipts for trimming and other tree care, should you need to prove your diligence.

Myth #7: I'll Save Time And Money By Reroofing Over Old Shingles

Reroofing, or adding new shingles over existing roofing, may be cheaper than replacing the roof entirely. But it’s not wise. A roof is like a cake of wooden sheathing beneath an icing of shingles. If the cake is spoiled, you can’t fix it (or even find out about it) by putting an extra layer of icing on top.

If there’s damage to your roof, get a new roof. Period.

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