18 Jan Gutter, roofs, pools and more
Are you keeping you to date with your home maintenance? If not, you could have a nasty surprise on the next claim against your home insurance. That is not all, you need to keep up to date with your policy conditions and that the renewal terms and sum insured are correct and in line with current replacement values.
Like a regular health check-up, home maintenance is imperative for every house’s upkeep. Continuing to check your exterior, plumbing, security as well as electrical systems will help prevent breakdowns and could save you money.
It is important to note that your renewal terms state that the homeowner is responsible for ongoing maintenance of their property. The message here is to make sure you don’t leave things until they break or pipes burst before doing any maintenance.
Don’t be disappointed when pipes burst and your claim is declined due to being required maintenance.
Here is a list of things that you should be looking at regularly.
- Gutters: keeping your gutters clean and free of leaves so that no water build-up could potentially damage your ceilings and internal structures from water entering through your roof.
- Roofs: check your roof tiles regularly and replace any damaged or missing ones. If you have a flat roof, check your sealant. If you have a thatched roof, make sure you have a lightning conductor. Check your renewal terms for the exact requirements for thatched roofs or speak to your broker.
- Pools: to maintain your swimming pool you need to replace sand filters at least once a year, depending on the size, it may be two. Check for cracks and keep your filter running for at least eight hours a day.
- Pipes: check your walls for bubbling paint as this could be a sign of a leak. Check your waster outlet pipes to make sure they are still properly sealed. If your pipes become rusted you need to replace them immediately.
Other things to consider:
- If you have a chimney, remember to have this cleaned by a professional to remove any blockages.
- Check windows and doors for deterioration. Repair creaks as soon as possible to prevent further decline.
- Watch your water consumption as a sudden spike could indicate that there is an underground leak.