Admiral provides you with 6 tips to help prepare your home for stormy weather this winter.
When extreme weather warnings roll in, rushing home and barricading yourself inside with cups of tea and a good box set may sound like the best option.
But, before you bolt the door shut, there are a few things you may want to do to prepare your home for the coming storm.
1. Batten down the hatches
If you have loose items in your garden or on your balcony make sure you either bring them inside or tie them down. Watching your patio set fly past the window is bad news, but even worse if it flies through the window.
It's also a good idea to put together an emergency kit containing:
- Important documents
- Spare batteries
- First aid kit
2. Empty home
- Keep your home constantly heated to 12 degrees Celsius
- If you don't leave your heating on, you'll need to turn off the water supply at the mains and drain the system
IMPORTANT. If you do not do either of these, you might not be covered in the event of a claim.
3. Check your home
Some insurers require homeowners to keep their home in good condition, so it's worth checking it's well-maintained before a storm hits. Consider the following:
- Take a look at the roof to spot any loose tiles or slates
- Check the walls and chimney to make sure the bricks, rendering and mortar are in good condition
- Check the gutters and downpipes are clear to avoid any water damage from blockages
- Make sure aerials, satellite dishes and solar panels are securely fixed
4. Get trimming
Low hanging tree branches could cause chaos in high winds. If you have trees in your garden make sure you trim – or arrange to have them trimmed – before bad weather hits. If the trees are in a neighbours garden try to speak to them to avoid disputes over blame should the worst happen.
5. Get to know your home
It’s surprising the number of people who don’t know where the stop cock is to turn off the water. Familiarise yourself with the location of the stop cock and where to turn off the gas and electricity at the mains to avoid a potentially dangerous leak.
Make a note of it and stick it to the fridge just in case you aren’t home to turn them off, along with contact details of local tradespeople so they're handy if you need them.
6. How to claim
- Check your policy excess. Is it worth making a claim?
- Contact us. Call our team of claims experts on 0333 220 2035 for advice on your policy. They can also take the details of your claim if you wish to make one. There's no need to fill out a claim form as our claims handlers will record all the details for you. You can also register your claim online.
- Make a list and take photos of anything that’s damaged by the storm – this will help us process your claim more smoothly.
- Keep receipts for any emergency repairs you make such as new panes of glass or roof repairs. We'll want to reach agreement on making repairs before you go ahead, but also understand you don’t want a bad situation to get worse.
- Prevent further damage. If there's water coming into your property, move your belongings away if it’s safe to do so.
- Temporary repairs can be arranged to prevent further damage but don’t put yourself at risk. An example of this could be arranging for local contractors to make a temporary fix for a damaged roof to stop rain getting in. We'll need to see the invoices for any temporary works carried out.
- Home Emergency cover is standard on the Admiral Platinum tier and includes the cost of making a temporary repair using a tarpaulin or similar material. Check your policy documents to see if you have Home Emergency cover or contact us on 0345 609 4375.