Tag Archives: winter

High winds and bad weather – Advice for landlords

December 14, 2011

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 Home owners, including those owners with let property insurance, will have been feeling slightly more relaxed with the mild weather we have been getting recently.

 temperatures have been at record highs during October and November but unfortunately as we lead towards christmas things are changing.

 For the past couple of days high winds and wintry showers have been battering most of the country and snow has also been falling in parts of Scotland and the North of England.

House with tile damage

 Property owners have been warned to take extra care during the disruptive weather. The wind has been so strong recently owners have had their chimneys blown over, roof tiles blown away and even tree branches have fallen on top of roofs.

 Obviously if you have already been affected it will be too late to get cover if you haven’t got any, but landlords must be vigilant before it is too late.

 Always make sure everything is secure on your property, chimneys, tiles and anything that is exposed.

 Insurance is obviously an important thing to have, landlords can be covered with landlord insurance. Make sure you’re protected for all eventualities.

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

November 28, 2011

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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.

Theft

  • 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!

Storm

  • 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.

Fire

  • 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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National Landlords Association warn tenants to be protected!

November 15, 2011

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Potential sources of carbon monoxide in the home

The National Landlords Association have warned tenants that they must make sure that their landlords are protecting them in their homes.

In the winter months more care and attention is needed, last year a lot of properties had water damage because landlords hadn’t told their tenants how to switch off the water supply when there was an emergency.

Tenants should also make sure that their landlords have given them advice on what to do over the Christmas period. The tenants may want to go away so they need to know how to use their central heating system properly.

National Landlords Association

The chairman of the National Landlords Association, David Saludbury, has urged landlords to properly insulate their properties and become more energy efficient.

“A higher energy efficiency rating, which is measured by an Energy Performance Certificate (EPC), may also benefit the landlord by making a house more attractive to prospective tenants,” he added.

A step that could save lives is checking the carbon monoxide alarm in the property. Safety charity CO – gas safety has told tenants to get this checked if they haven’t already done so.

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Are you prepared for winter?

November 14, 2011

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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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