With the cold weather settling in, now is a good time to prepare against the perils of winter and to help prevent damage to your property investment.
One of the most common causes of property damage during winter is freezing pipes, which can lead to a burst pipe resulting in, sometimes, large-scale water damage.
There are ways to help prevent this, including checking pipes for any noticeable cracks. RICS also recommend that any external pipes are insulated to minimise heat loss and prevent your pipes from freezing.
Service your boiler
Ensure that your boiler has been recently serviced by a Gas Safe engineer and is in working order.
Although this may come at a cost, it is far more cost effective than having to fully replace a faulty boiler in the event of a break-down. This will also assist in keeping your pipes warm and prevent freezing throughout the colder months.
As your property may become unoccupied during the festive period, it’s important to review your insurance policy for any unoccupancy conditions that apply. You may need to notify your insurer that the property will be empty, or your insurer may request that your central heating is left on at a certain temperature (or in some cases the mains services are turned off).
If you are unsure, give us a call and we would be happy to review your policy. Failure to adhere to these conditions may result in a claim being repudiated leaving you out of pocket following a loss.
This is also a good opportunity to ensure that your existing policy is fit for purpose, e.g. landlords should ensure that a specialist landlord insurance is in place.
Roof and drains
Remember to ensure your drains, gutters and overflow pipes have been inspected by a qualified contractor and cleared of any blockages.
Falling Autumn leaves can potentially result in blocked gutters – this can lead to water damage on the roof and may cause damage to the walls of your property.
Have your roof checked for any cracked or missing slates, as this can also result in water damage to your property.
Give us a call
During winter it is better to be ‘safe than sorry’. If have any questions about your insurance policy looked after by Bruce Stevenson, or if you would like a no obligation quotation, please give us a call and we would be delighted to assist you.
Property Account Executive, Jamie McKenzie – [email protected] or 07789403990