High winds and rain can cause major damage to property, so before winter tightens its grip, it’s worth checking (without putting yourself in danger) that your roof is in good repair, and that gutters are clear of leaves and other blockages. Make sure items like patio furniture and children’s play equipment are stowed safely away in a garage or shed. Clear paths of moss, and keep salt handy to clear ice and prevent falls.
MAKE SURE YOU HAVE THE RIGHT COVER IN PLACE
It’s also a good time to check out the details of your home insurance policy. If you’re not sure what sort of cover it provides, you should check your policy schedule now. Keep a note of your insurance company’s emergency and claims handling telephone numbers in case of need. Check you know what your policy excess is – this is the first part of your claim which you have to pay yourself. Knowing this will help you decide if it’s appropriate to make a claim.
If you want to increase the type of cover you have for home emergencies, then we can help you find the right policy for your needs. Home emergency policies typically cover problems that arise with plumbing and drainage, main supply pipes for water and gas, central heating, glazing and windows, home electrics and home security.
PREVENTING FURTHER DAMAGE
If you suffer damage, you may need to think about carrying out temporary repairs to prevent the damage getting worse. Call your insurer’s emergency number first, and ask for their advice. Keep the receipts for any work they suggest you carry out, as you may need these for your claim.
It’s a good idea to take pictures of the damage, but don’t put yourself at risk of harm by doing so. Don’t rush to get rid of damaged items, as your insurer may want to inspect them.
For advice call 01604 433 035