Home insurance Updated:
With the threat of storms on the horizon, householders are being urged to take proactive measures to protect their homes – as up to a quarter of all UK properties could be in the firing line.
According to research from Halifax Insurance a quarter of UK homeowners have never checked the condition of their roof, despite the fact that a fifth (19%) of homes have suffered from water ingress in the last two years and a further 10% have been subject to windstorm damage.
It's these "neglected" homes that could suffer the most in the forecasted St Jude storm, due to hit on Monday, and is why all homeowners are being urged to check the condition of their homes to be properly prepared.
Having adequate insurance is another key part of that preparation, but with a worrying one in ten homeowners lacking sufficient cover to be protected from such issues and more than a quarter (27%) not knowing what is and isn't covered by their policy, they're being urged to check and make the necessary adjustments.
Martin Foulds, senior claims manager at Halifax Home Insurance, has this advice:
"Extreme weather, like the St Jude storm, can take its toll on homes. Homes that have been neglected throughout the year are particularly susceptible to further damage, as problems … can be exacerbated by severe winds and rainfall.
"Homeowners should ensure their home is well maintained and protected against the elements by checking that the roof is in good condition, that loose items are secured and that low hanging branches, that could cause damage in a storm, are cut back."
Proper maintenance is not only vital to reduce the possibility of damage but it could be stipulated in an insurance policy, so failing to properly maintain their home means homeowners could be at risk of invalidating their policy and any claims not being upheld.
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