Have you considered how a heavy snowfall or rainfall might affect your property or services? Did you know that snow and ice are unexpectedly heavy?
Snow and ice can cause many issues for buildings such as the below:
- Snow can force a roof to deflect, bow or even collapse
- It can damage ventilation systems and roof lights
- Unheated buildings are vulnerable as they might freeze
- Roof drainage systems can be blocked/plugged
- Melting snow combined with any rainfall can easily overwhelm building drainage systems and local drainage systems in the area which can result in localised flooding.
1. Home Insurance Cover
There is no better time to review your current policy. Talk to your adviser today and make sure that you know what you are covered for and whether that cover is adequate for both the house and your valuables. If you haven’t already, consider adding Home Emergency cover to your home insurance policy in preparation for any household emergencies.
2. Check your Roof
Roof inspection is one of these maintenance jobs that is very easy to overlook. But don’t do it. We have had some pretty wet and windy weather already this year and it can’t have escaped your notice that the weather is becoming more unpredictable. Try to do a visual inspection from ground level. It is though advisable to have a professional check to your roof for any signs of damage such as missing tiles etc.
It is very easy to have your gutters full of ice once the weather gets very cold. This could result in damage caused on external brickwork.
5. Inspect your Loft
Did the last time that you checked your loft was for putting away your summer luggage or finding the Christmas decorations? Check if you can find any sign of daylight and maybe you can avoid the inspection of your roof. Also take a look at your insulation in the roof space. Is it still good for use? Heating bills can be significantly reduced with comprehensive roof space insulation.
Don’t forget to arrange a boiler service to come in for inspection of your boiler. You want to make sure that it works perfectly during the winter months.
7. Change your detectors
If you can’t remember when you last changed the batteries of your smoke and carbon monoxide detectors – change them anyway.
8. Home Emergency Kit
Prepare a home emergency kit for any case. You should include the below:
– Portable mobile phone chargers
– Bottled water and canned food
– Blankets and waterproof clothing
– A list of local emergency phone numbers
– Your insurance cover details
– A first aid kit
9. Travelling at Christmas?
Are you travelling during Christmas? Do you own an unoccupied property? Maybe you need to consider opening the heating for the time you are away in order to prevent pipes from freezing. You need to make sure that you maintain the temperature of your property at the right temperature otherwise you may not be covered for certain issues related to water pipes.