Keep your holiday home safe in your absence

6th September, 2018

With the end of August and Autumn fast approaching, it’s time to lock away your holiday homes up for the colder months, until your visits start again next year.

Whilst we are aware that claims are sometimes unavoidable, we have comprised a list of tips to minimise the likelihood. As with all insurance claims, it is about reducing and recognising the risk as much possible.

Security

Most insurance policies insist that locks meet BS3621 standard, the most popular standard that has the ability to be deadlocked and the key to remove from both sides so access cannot be granted without a key. It is also important to check that all windows, doors, gates, garages and other outbuildings are securely locked and keep all valuables out of sight.

You may wish to consider a house alarm and security camera.

Storm damage

Storms are often spontaneous and unpredictable. That is why it is important to prepare. We recommend cleaning the gutters of your holiday home and ensuring all fixtures, such as roof tiles are secure and that garden furniture is stored away.

Read more about how we settled a storm damage claim here.

Flooding

Flooding is a common natural disaster in the UK and further afield, with Spain accommodating for 85% of abroad flood claims in 2016.

If your property is in the UK, we suggest signing up for government warnings and recommend turning off electricity, water and gas supplies for all properties.

Find out more about reducing the damage of flooding here.

Burst pipes and water leaks

Burst pipes were the second most common insurance claim in 2016, with 26% of total claims made for water escape in Spain & France and a total of 53% of water escape in the UK.

To reduce this risk of burst pipes as a result of colder weather, we recommend maintaining the heating at 15 degrees, draining down water from the pipes, or insulating the pipes.

Speak to Routen Chaplin about insurance for your home or insurance for your second home on 0115 973 4437.

Sources www.aplaceinthesun.com

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