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Home insurance: get on top of your repairs

Home insurance: get on top of your repairs

Category: Home insurance

Updated: 11/08/2015
First Published: 07/08/2015

This article was correct at the time of publication. It is now over 6 months old so the content may be out of date.

Your home can take a battering over the winter months, so by the time summer rolls round, you may find that there are one or two repairs needed! Although it can be tempting to ignore the loose roof tiles and the leaking guttering in favour of relaxing in the garden, staying on top of your repairs now can mean that not only is your house winter-ready, but you could also avoid complications if you need to claim on your home insurance.

The benefits of good repair

Keeping your home in good repair means that bigger problems are less likely to occur further down the line – a quick service of your boiler now, for example, means that you probably won't have to deal with no hot water or heating in the middle of January, which also means that it should cost you less. Keeping your home in good repair will also come in handy should you need to make a claim on your home insurance: deciphering the difference between storm damage and a home that hasn't been maintained properly can be tricky and it could hinder your chances of a successful claim.

The to-do list

So what exactly should form your home repairs to-do list? There may be some obvious things that need seeing to, but if you're unsure, here is a list of some of the usual suspects:

  • Roof tiles. Loose or missing roof tiles can let a downpour into your home, so it's best to tackle this problem before you see water dripping through the ceiling. Hire a reliable tradesman to take a look for you and check that the roof is sealed as it should be – remember, even summer storms can be heavy, so its important to be prepared!
  • Guttering. Leaking or blocked guttering can lead to headaches later on, so check that it is free of debris.
  • Boiler. A summer service for your boiler is a good way to protect yourself from sitting in the cold during winter. It's a good idea to have your gas supply safety-checked at the same time, too – just in case!
  • Garden furniture. Topping up the varnish on your garden furniture will ensure that it is ready for anything the elements can throw at it. Pick a sunny day and get to work!
  • Insulation. Boarding up the loft and topping up your roof insulation can pay dividends in winter. Getting it done before the cold weather sets in means that you can benefit from the extra warmth straightaway – and this will have a positive effect on your heating bill, too!
  • Gas & electricity. Winter will mean higher energy bills, so why not take advantage of the summer to check the market for a better deal? Switching suppliers can be a great way to cut down your bills, so check out our comparison tool to see how much you could save.
  • Home insurance. Winter often sees the arrival of flood and storm damage, so now may be a good time to check your policy. If it's time to renew, check out our home insurance comparison tool to see if a new provider could offer a better deal.

So now you have no excuse! Put on that DIY hat and tackle those repairs – you may be glad of it when winter arrives!

Disclaimer: Information is correct as of the date of publication (shown at the top of this article). Any products featured may be withdrawn by their provider or changed at any time.