Home Insurance :Ultimate guide to protecting holiday homes in ...

Posted on February 9, 2012 in Best Home Insurance | by admin

Statistics show that most second home house insurance claims occur during the winter, predominantly caused by extreme weather ? frost, snow, flooding, storms, but also break-ins. This is understandable due to the very nature of holiday properties being locked up and left for long

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Article Content:
Statistics show that most second home house insurance claims occur during the winter, predominantly caused by extreme weather ? frost, snow, flooding, storms, but also break-ins. This is understandable due to the very nature of holiday properties being locked up and left for long periods without inspection.

Claims costs:
Insurers paid out ?1.4bn in ?big freeze? insurance claims in the UK between 24 November to 31 December 2010, up from ?700m for the previous winter of 2009/10.

Insurance provides cover for a list of specified perils. Policies do not provide unlimited cover for every eventuality or maintenance related issues. With this in mind it?s important that holiday home owners take all reasonable precautions to prevent a loss or damage and keep their property maintained.

As insurance does not cover all eventualities, property owners are liable for uninsured losses and general ?wear and tear? so taking precautions can prevent you suffering unnecessary expenses.

Here are useful of tips and advice to protect your holiday home in winter

Preventing and dealing with burst/frozen pipes

How to prevent frozen pipes and bursts
What causes pipes to freeze and burst? ? Burst pipes are the biggest threat that UK holiday homes face. However, many claims can be prevented by taking some simple precautions to prevent pipes from freezing and bursting.
What to do when pipes freeze or burst ? If your pipes do freeze there are several steps you can take to prevent them splitting, but if they do burst here is what to do.
Does holiday home insurance cover plumbing repairs? ? If you do have a burst pipe then the damage caused by the ?escape of water? is covered (subject to the policy terms) but who is responsible for the repairs to pipes?
Boiler breakdown insurance for self catering holiday cottages ? Boiler breakdowns aren?t generally insured under a holiday homes policy, so is it worth taking out a separate home emergency boiler breakdown insurance policy?

Storms
Resources to monitor UK weather warnings & flood alerts ? Here are some excellent resources for keeping up to date with weather warnings and flood alerts.
Does insurance cover a fallen tree? ? Gales often cause trees to come down, but what if the tree causes damage? Who is responsible for the removal?
Does insurance cover storm damage to fences & gates? ? Fences are also frequently damaged in storms, but are they covered?
Does home insurance cover snow damage? ? Heavy snow can put a lot of weight and pressure on gutters damaging them, water ingress from thawing snow also causes damage. Here we clarify what is and isn?t covered.
Flood & storm insurance for property abroad ? If you own a property abroad and are insured by a foreign insurer then there are certain things you should be aware of that could leave you uninsured. Storm definitions, minimum rainfall and wind speed requirements for a claim to be valid and strict claims notification deadlines. This article points out what you should look out for.

Flooding
How to prepare for flooding ? Flooding can be a problem in UK holiday home hotspots, here is advice on how to prepare if you are at risk.
What to do if your holiday home is flooded ? Steps to take if you are flooded.
How to check if a home is at risk of flooding ? Looking to buy a holiday home? Check if it is in a flood area before you commit as you could have problems insuring it.

Maintenance
How to prepare your holiday home for winter ? An extensive list of simple maintenance tasks that can prevent a loss or damage and unnecessary expenses.
French house insurance chimney sweeping clause ? Does your French insurance policy require an annual chimney sweep? You could be uninsured for a chimney fire if you fail to do so.
Holiday home oil theft warning ? The rising cost and short supply of domestic heating oil has seen a rise in rural oil thefts. How to protect your tank.
Does overseas home insurance cover mould? ? Overseas properties that are left over winter often suffer from mould. Here are tips on how to prevent it.
Prevent carbon monoxide risks at holiday lets & cottages ? The silent killer. Ensure you and your guests are safe.

Security
Holiday home security advice ? Occupied and unoccupied holiday cottages are often an easy target for burglars. Here are some tips to prevent break-ins.

Please add your tips in the comments below?

Related posts:
How to keep your second home safe this winter
Holiday home insurance winter unoccupancy clause warning
How to prepare your holiday home for winter

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Source: http://www.hcexport.com/home-insurance-ultimate-guide-to-protecting-holiday-homes-in-winter.html

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