We hope you never need to make a home insurance claim so we’ve put together our top tips to protect yourself from what tend to be the most common claims.
It’s really important to check pipe work for damage or leaks before you go away, especially if you’re going on holiday for a long period, to prevent coming home to a water damage disaster.
What do we mean by water damage?
Escape of water damage is typically caused by water from inside the house, such as from a leaking radiator or pipe work.
Common causes can be faulty goods, poor workmanship or wear and tear. Most insurers will cover the damage caused by the water but not the repair to the leak, unless its caused by freezing.
Many water damage claims are reported to have started in the bathroom. However, we shouldn’t assume that that’s where most leaks happen. Kitchen leaks are usually spotted much sooner and can be stopped earlier with minimal damage so fewer people need to make a claim. To avoid having to make a bigger claim because a leak’s gone unnoticed for example, you should always take the time to check pipe work.
Read our 5 things to check before you go on holiday for more top tips.
It’s horrible to think that an unwanted visitor has been in your house and taken your belongings. Unfortunately, break-ins do happen so it’s important to secure your home as much as possible to avoid giving anyone easy access.
Common situations resulting in a claim for theft occurring could include the home, shed or garage being broken into or personal belongings being stolen from someone whilst they’re away from the home. Always check that you have suitable buildings and contents cover that meet your needs should you ever have to make a claim.
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Read more about protecting your home from crime.
Accidents happen so it’s a good idea to make sure that your precious items are protected by your home insurance. Accidental damage can be defined as an unexpected accident that causes physical damage, for example, spilling wine on the carpet. Accidental damage cover doesn’t usually come as standard so it’s a good idea to check whether you need it and include it as part of your policy if you think you do.
Common items claimed for under accidental damage could include TV’s, flooring, laptops and tablets.
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It’s not surprising that we see a surge in storm related claims during the winter season but even heavy thunderstorms occur during the summer which can cause damage. You can’t avoid Mother Nature but it’s worthwhile being as prepared as you possibly can be for the harsh weather.
Common types of storm claims could involve damage to tiled roofs (e.g missing roof tiles or damaged slate), ceilings and walls, conservatories, flat roofs and guttering.
Our top tips:
More advice on how to prepare and protect your home against extreme weather.