Keeping your home in order is a difficult undertaking. With family members coming and going, appliances to maintain and that’s just the tip of the iceberg.
We’ve crunched the numbers to discover the three most common home insurance claims. Read on to find out how to prevent them and what to do if they happen to you.
Boilers are commonly involved in household claims. Leaking and dripping are frequent issues, while loss of pressure and problems with efficient heating also top the list.
Whether it’s a result of burst pipes or a leaky washing machine, sometimes escape of water damage is unavoidable and even prevention methods may not always work.
Homeowners claim for a range of escape of water damage – everything from ruined furniture to a flooded living room.
For example, trace and access cover deals with sourcing the leak and fixing it.
Not all escape of water claims are severe. Smaller cases may only require the cleaning and drying out process which you can speed up by opening the doors and windows to help air circulate.
If you suspect a leak and, it’s safe to do so, follow these steps:
For leaks that need more attention, contact a professional to strip out damaged furniture and fixtures and start the repairs.
Getting your home back to normal after escape of water can take time so you may need to seek alternative accommodation during the repair process, depending on how severe the damage is.
Here are a few ways you can help prevent escape of water:
House fires can be impossible to predict but many are caused by misusing appliances, cooking or electrical problems such as poor wiring.
Make sure your smoke alarms are up-to-date and working; it’s a simple, quick test to make sure the batteries are working. You should aim to change them at least once a year.
While these incidents are uncommon, they can be very costly. Having home insurance can cover the costs should the worst happen.
Knowing which cover is right for your home can be confusing, so we’ve created this guide to buying home insurance to make things clearer. If you’re still unsure, speak to your insurer.