Storm Angus – home insurance tips from Policy Expert

Adam Powell, Head of Operations of home insurance provider Policy Expert commented:

“With predictions for heavy snow just around the corner, it’s important to ensure that your home is prepared for everything that the winter months might throw at it. Cold and stormy weather can ravage buildings so it’s important to take the time to quickly make sure you have the correct level of home insurance cover before the weather worsens. Check the small print – some policies may not cover sheds and outbuildings, and others won’t cover damaged boilers if they haven’t been seen by a registered plumber.”

Top tips for protecting your home from winter weather:

  • Check your boiler and heating system – If you haven’t done so already this year, get your boiler checked and/or serviced by a Gas Safe registered plumber.
  • Roof tiles– Check for any cracked, missing or loose tiles and replace them. If a roof is in disrepair the weight of snow or high winds can prove to be hazardous.
  • Keep the central heating on – Set the central heating to a minimum of 14 degrees Celsius throughout the winter. It helps prevent pipes freezing and frost damage.
  • Repair damaged chimneys– Look for cracks around chimney pots and at the roof join, also for loose render and render that’s come away from the stack. High winds and heavy rain can damage chimneys even further, make sure they’re properly stable before extreme weather happens.
  • Windows– Take a look at your window frames and fill any cracks and put on a coat of paint if needed. Extreme temperatures and wet weather can cause untreated wood to expand and rot, treating the window sills helps prevent water and frost damage.
  • Insulation – Lag any pipes and water tanks in exposed areas such as lofts, garages and utility rooms to prevent pipes freezing and bursting.
  • Guttering and drains – Clear your guttering and drains of any debris such as leaves, mud and stones; they can block easily and freeze up.
  • Walls – Check the pointing in brickwork both on the main house, all outbuildings and garden walls, look for any loose stone or areas that are in need of repair.
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