Since 22nd December 2008, Sainsbury's Bank home insurance estimates that there have been 13,000 claims linked to water damage under the category 'forcible/violent bursting'. So how can you protect your home?
Freezing weather conditions and large rainfall has meant that Britain has become more susceptible than ever to home insurance claims linked to water damage. With temperatures dropping as low as minus 10°C it is likely that there will be more claims to come. As a result homeowners are urged to check the terms of their home insurance policies and take all the action they can to ensure their properties are well prepared for this spate of bad weather.
The first step is to ensure your home insurance policy is up to date and that you have a good level of contents cover. This should incorporate all new items that were brought into the home over the festive season so you're not left short of cover if the worst occurs.
Though these are tough economic times and you may want to save money wherever you can, switching the heating off can prove to be a false economy as this makes pipes more likely to freeze and burst. Leave the heating on a low setting of at least 10°C if you plan to leave the house for a few days.
Locate the main stopcock at your home and ensure that you can turn it off and on. If you have a meter specifically for water, the off switch will be located there - normally outside the home.
Consider investing in pipe insulation. Insulation can be bought for as little as £10 and could save you enough money in reduced energy bills over one year to pay for itself - not to mention the fact that you could avoid a home insurance claim.
Just in case the worst happens make sure you know your home insurance provider's telephone number and check to see if your policy includes home emergency cover so you can arrange for repairs. If your policy isn't adequate compare home insurance online and find more suitable coverage.
Article Source: http://EzineArticles.com/?expert=Alex_Gregory
Freezing weather conditions and large rainfall has meant that Britain has become more susceptible than ever to home insurance claims linked to water damage. With temperatures dropping as low as minus 10°C it is likely that there will be more claims to come. As a result homeowners are urged to check the terms of their home insurance policies and take all the action they can to ensure their properties are well prepared for this spate of bad weather.
The first step is to ensure your home insurance policy is up to date and that you have a good level of contents cover. This should incorporate all new items that were brought into the home over the festive season so you're not left short of cover if the worst occurs.
Though these are tough economic times and you may want to save money wherever you can, switching the heating off can prove to be a false economy as this makes pipes more likely to freeze and burst. Leave the heating on a low setting of at least 10°C if you plan to leave the house for a few days.
Locate the main stopcock at your home and ensure that you can turn it off and on. If you have a meter specifically for water, the off switch will be located there - normally outside the home.
Consider investing in pipe insulation. Insulation can be bought for as little as £10 and could save you enough money in reduced energy bills over one year to pay for itself - not to mention the fact that you could avoid a home insurance claim.
Just in case the worst happens make sure you know your home insurance provider's telephone number and check to see if your policy includes home emergency cover so you can arrange for repairs. If your policy isn't adequate compare home insurance online and find more suitable coverage.
Article Source: http://EzineArticles.com/?expert=Alex_Gregory
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