Tag Archives: burst pipes

Hints on Tips on what you can do to protect your home this winter

November 28, 2011


After having a very mild October/November the temperature seems to be taking a drop as we hit December. Here are a few hints and tips on how you can protect your home from freeze and escape of water, theft, storms and fire.

Freeze and escape of water

  • If you are going out for the day, leave the heating on but leave it on a low setting (ideally around 15c)
  • You must know where the stopcock is in your home so you can stop the water supply in an emergency, if you are renting from a landlord make sure they have told you all necessary information.
  • You must check that your pipes and heater/water tanks are insulated and you lag the pipes in the loft.
  • To prevent pipes from bursting, lag the outside water taps.
  • Plumbing joints that are plastic will degrade sooner than metal ones, make sure you keep an eye out for any signs of water.
  • If you are going away over the Christmas period maybe consider draining down your plumbing and heating system. Always seek professional advise with this.


  • Make sure you have burglar alarms fitted on your property, technology has moved quite far and now you can have alarms that dials a programmed number such as your mobile phone so if you are out or away you will be notified straight away that your property may have been broken into.
  • Having strong external doors are recommended, a lot of properties now have a five leaver mortice deadlock and/or extra sliding bolts for extra protection and to improve the security. If you don’t have any of these you would be making a wise investment by purchasing them.
  • Never leave a spare key around in the most obvious place, and only tell the people who need to know where it is!


  • You should regularly check the condition of your property, if you rent your landlord should keep on top of this. Pay attention to all the roofs including garage, shed and flat roofs for signs of water and tear. If there is a heavy snow fall during the winter this adds extra weight pressure onto the roofs so these must be stable.
  • It is important to keep gutters, gullies and drains clear as any water that flows into them may become trapped, this then leads to flooding and if the water freezes burst pipes.
  • Cutting back low hanging tree branches may prevent damage in extreme high winds.


  • One of the main items to have in your property to protect you from fire is a properly functioning smoke detector. This alerts you in the early stages of a fire which then gives you enough time to get out of your property and make an escape.
  • Never leave candles unattended, especially near fabrics and flammable items.
  • Never leave a chip pan unattended, if the pan is giving off smoke do NOT put food into the pan.
  • If you own electric blankets make sure they have a safety check every three years and always switch them off before you get into bed.

If you follow these hints and tips you will be protecting yourselves and your families especially over the Christmas period.


Source- Ageas

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Are you prepared for winter?

November 14, 2011



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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How to prepare your properties for the winter months…

October 21, 2011


Source- www.ellesmereportpioneer.co.uk 

The UK enjoyed a welcomed hot spell at the beginning of this month, with temperatures hitting just above 30C. Now nearly more than two weeks later we seem to be hitting a cold spell, this certainly proves how temperamental the British weather can be!

So now maybe is the time to consider your home insurance policy. If you already have home insurance cover we would advise that you check exactly what you are covered for just incase you get hit by any winter weather induced problems. It is absolutely vital that you are aware of what you are covered for with your home insurance policy. Most insurers that are out there will cover you if you experience anything from a burst pipe to damage by storms.

Here are some helpful tips to help make your home weather proof this winter…

Blocked gutters can cause you problems if not cleared!

  • Check the gutter – Check the gutter just to make sure it is not blocked. In the autumn months leaves can get down drains and also at any time of the year debris can be found down there too, this then through time can get waterlogged and eventually in the winter months freeze if not cleared. Bursting pipes can occur and with the weight of the frozen water causing the gutter to potentially break, this could cause even further damage to your property.
  • Frozen pipe bursting...

    Prevent burst pipes – According to the latest research in home insurance, burst pipes are one of the most common claims by landlords. A burst pipe occurs when water freezes then expands and escapes. Home insurance experts suggest that £15,000 is the average claim amount for a burst pipe. It is worth keeping your house warm in the winter months to prevent the pipes from bursting, the cost of gas and electricity is unfortunately high but the cost of a burst pipe may be higher!

 It is very important that you are correctly covered for an emergency like burst pipes, but the majority of basic home insurance policies cover you for this. There are some simple, easy steps to protect the pipes. For example insulating your water tank and fitting an insulation jacket around the sides of the tank, the pipes can also be insulated by a jacket.
  • Get Insurance – We advise that landlords should check their level of cover. At the end of the day you have a responsibility to meet the legal duties and if you don’t your properties and potentially your tenants may not be protected. Landlord insurance could be purchased for a single property or if you have an extensive property portfolio.
 CIA Insurance are committed to help you protect your investment. CIA can cover all your needs at competitive rates, call us today to find out how to save money on your landlords insurance. Don’t forget, CIA Insurance guarantees to beat any quote.
Call us on – 0844 88 88 323
Email us on – info@cia-insurance.co.uk
Or alternatively you can get a quote on our website at www.cia-landlords.co.uk
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