Don't forget the bite of the Beast from the East

According to Halifax Insurance last January saw a 169% increase in storm claims compared to January 2017, with 1,258 claims recorded by the Insurer for storm damage received in January 2018 versus 467 in January 2017.  The same period also saw a 59% increase in claims for damage caused by 'impact', with 135 claims in 2018 versus 85 in 2017. As the anniversary of the 'Beast from the East' approaches, homeowners are being reminded to properly prepare their properties for the cold weather.

There were many homeowners who were severely impacted last year by the extreme cold weather and snow and, even though no one has yet to see a proper cold snap in 2019, the weather can change at short notice and preparation is key.  For example, homes are more susceptible to frozen pipes during the colder weather so keeping the heating on for a few extra hours overnight is an easy way to prevent this. If it saves thousands of pounds in the event of a pipe freeze, this a price worth paying.

Easy steps to take to keep cosy in the cold weather include setting your thermostat to a minimum temperature around 12C, even overnight - the heating costs can be justified if it avoids a costly pipe freeze. Many thermostats have a winter option that routinely heats the system to keep pipes at the right temperature.  Don't forget to disconnect and drain all hosepipes, sprinkler systems and water features that are connected to external water outlets and Insulate exposed pipes in basements, attics, garages, kitchen cabinets and on the outside of the house. Use UL-listed heat tape, or foam rubber insulation where pipes are exposed to cold moving air.

Make sure you know where your stopcock is so that you can turn it off quickly in an emergency and can prevent a potential flood. The stopcock is the valve that controls the cold water system in your home. Stopcocks are usually found in the kitchen, below the sink unit. However, in some houses the stopcock is found in a front or back hall or in a larder unit beside the sink unit.

Finally, be sure to have your home insurance details to hand in case the worst happens. Many insurance policies can provide you with useful information, such as the number for a reputable plumber, through a 24-hour Emergency Hotline. Remember, if you are at all uncertain about the quality or the level of cover you currently have, you can always talk to us and we will be happy to review your policy.