Are you prepared for winter?

November 14, 2011

CIA Let Property Blog

 

Before the cold weather really takes hold, check that your boiler is up to date and everything is in full working order.

The time has come, it is now officially winter. The daylight hours are fading fast and the weather is getting colder everyday.

Now is the time to think about how you can protect your property, just like we prepare ourselves with warm clothing properties need the same type of care.

Getting the right insurance policy for your boiler and making sure your pipes are properly insulated are all steps you need to take to make sure you are covered in all eventualities.

 

Protecting yourself from crime

During the first week of November (from October 30th – November 5th) the UK has the highest average weekly crime rate, and it seem that as the days get darker crime rates increase. Covering yourself with the correct home insurance, especially around Halloween and bonfire night is essential. Always check exactly what you are covered for.

Protecting yourself against burst pipes

One of the most common home insurance claims is for burst pipes, most insurers will allow you to have home emergency cover for this and any damage created by storms. A burst pipe is where the water freezes inside the pipe, it then expands and then bursts. An average claim on home insurance for a burst pipe is £15,000. Insulating the pipes will help protect them, also taking the extra step of insulating your water tank will cover you and stop even more damage occurring.

Protecting yourself from a blocked gutter

Blocked gutters can also create a lot of damage to your home, gutters blocked with leaved and debris could create a back log of water which will eventually freeze and put pressure onto your pipes. This could also cause damp to grow in your property because of the water seeping through the roof.

Protecting yourself from a broken boiler

Before the cold weather really takes hold, check that your boiler is up to date and everything is in full working order. Replacing a boiler at this time of the year can be very expensive and it is also a stressful experience. If you are a tenant, your landlord or local housing association should make sure that the above is done. Paying for a boiler inspection can be expensive at the time (between £50-£80) but it will be worth it in the long run as it can make your insurance premium cheaper as you are preventing it from breaking down.

Protecting yourself from roof damage

Making sure your roof is watertight is essential as heat can escape and any effort you have put into insulating your property will go to waste. Have your chimney cleaned and make sure any debris is cleared, it is best to get rid of any potential hazards and any risks of carbon monoxide poisoning. Damp can be a big problem during the drizzly winter months, check for cracked tiles and gaps on the roof.

 

Source- Moneyexpert

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