Everything started fine, this morning. It could have been a perfect day. The sun was out. The sky was blue, and you even felt like wearing your new dress to go to town. You didn’t struggle once to do your hair; in fact, everything went like a charm.
Except that at the corner of your eye, you noticed something odd. Was it a wet patch on the wall? Was it the flashing light above the oven? Was it the strange light on the boiler? Regardless of the issue, you knew it was an emergency repair and that completely transformed your day from good to stressfully bad.
What are you going to do? Emergency repairs tend to be linked to unexpected expenses – the clue is in the name. One thing is for sure, you didn’t get up this morning with the intention of spending a lot of money on a surprise bill. On the other end, you also know that you can’t ignore the issue for too long. You don’t want it to get out of hand and present an even more significant risk than it already does. But what’s the best way to approach the issue without ruining the rest of your day? Breathe in. Breathe out. You’ve got a handful of solutions you can try.
Get an expert in
Emergencies can throw you off guard and before you know it you find yourself worrying about the worst possible outcome. Don’t let it affect your day or your mood. On the contrary, the question is not whether you should start planning for the worst, but it’s about which expert you need to call. Whether you’ve got a plumbing issue, a boiler fault, or a crack running down the wall, there’s a professional out there who can help you to understand the situation and evaluate the damage. You are not gaining anything in panicking alone. The best way to keep your cool is to get in touch with a trustworthy contractor who can run a thorough audit as soon as possible. More often than not, you will need to describe the issue over the phone so that the agent you’re talking to can judge the level of emergency you’re facing. What does it mean? It’s simple. Be as detailed and precise as possible; stay calm and describe the problem in terms that are not equivocal. Your role is to convey the info in the most explicit manner so that the expert can not only come rapidly but also fully equipped to sort out your problem.
Can you DIY it?
How hard can it be to fix your home? More often than not, you can quickly repair simple problems without the help of an expert. But there’s a golden rule when it comes to DIY fixes; you need to be equipped, both with the right tools and the appropriate knowledge. It might sound like an insurmountable obstacle at first, but there are plenty of helpful tutorials online to guide you through the most common issues. A leaking toilet tank doesn’t seem like much at first, but it can dramatically increase your water bills. Thankfully, the issue is typically related to rusted bolts, which only need replacing to fix the problem. It’s a quick job, and you can find everything you need at your local B&Q shop. More importantly, you don’t need to call in a plumber for that! You can learn how to handle clogged up drains, sticking doors, and even how to fix a hole in the wall by yourself. But as you get to boost your DIY knowledge, you also need to be very clear about what you can fix and what you should leave to a specialist – regardless of how easy it might appear. Indeed, electrical and major plumbing repairs can be dangerous for amateurs. Additionally, structural work and major basement renovations need to entrusted to certified contractors who can preserve the integrity of your home.
You know you have to pay but you can’t
So, you’ve determined what you can and can’t do, and the expert has given you his quote. It is not cheap, to say the least, but you also know that you can’t delay the repair any longer. You need to find help to cover the cost. There is a variety of options if you don’t have an emergency fund ready. Most contractors are happy to discuss the possibility of a payment schedule, which can allow you to pay a large amount in small chunks over time. A fast loan option can also help you to handle payment smoothly. Last, but not least, you shouldn’t be shy about asking your relatives for support – on the condition that you’ll pay them back as soon as you can.
You can get help financing the repairs
As a homeowner, it’s fair to say that your home is presumably insured. You might want to check the small print in your cover to find out if you’ve also got home emergency cover. Indeed, an emergency is defined as something that causes a risk to your health, permanent damage to the property and that makes your home unsafe. Most policies cover boiler and heating system, severe plumbing and drainage problems, electrics, roof, security, and pest invasion. In other words, you may not even have to pay for the repairs at all if your insurance can cover them.
You’re not a homeowner
Last, but not least, emergency repairs are also a concern for tenants, minus the financial aspect. When you’re renting a property, repairs and maintenance costs are not your responsibility. They’re your landlord’s. However, you can face difficulties getting your landlord to proceed to the necessary fixes. If this is the case, you can get in touch with your local Citizens Advice centre to find out how to get those repairs done. While taking your landlord to court is an option; you should make sure that you’ve acted fairly towards your landlord – by informing them and given them a chance to respond – and collected sufficient evidence.
In conclusion, keep your cool. Emergency repairs are not the end of the world. On the contrary, you have plenty of solutions to tackle them effectively! So don’t let them affect your mood.