Protecting your home through the autumn and winter: 10 tips from an insurance perspective

As the days get shorter, homeowners are wise to prepare their properties for the colder months. As an island, the UK is renowned for its dramatic autumn and winter weather. This often includes freezing temperatures, heavy rains, and strong winds, with the intensity seemingly increasing yearly. These tips only take a few minutes to read but can save you hours of inconvenience! So do read on….

 

Repair and prevention

Seasonal and extreme weather brings the risk of damage. At this time of year, Fidentia's claims specialists are often busy helping homeowners submit insurance claims to repair weather-related damage.

Most homeowners would agree that they’d prefer to avoid damage in the first place than be tasked with the challenge of fixing it, which often takes up valuable time. In this article, our insurance claims specialists have shared 10 tips to help you take proactive steps to protect your home and reduce the likelihood of making a claim.

 

1_Maintain the property temperature

Freezing temperatures can cause water pipes and tanks to freeze and burst, leading to extensive water damage. One of the easiest ways to prevent this is by maintaining a consistent indoor temperature. However, if your method of heating requires a chimney, don't forget to ensure it is professionally cleaned regularly (some policies stipulate a timescale for cleaning chimneys as a condition of the policy).

Burst pipe damage can lead to costly insurance claims. While many policies cover damage from them, it's worth ensuring the property is adequately heated, which can help avoid this entirely.

Action: Keep your property heated to at least a minimum of 10°C, even when you're away. This helps to protect water pipes and tanks from freezing, especially in colder rooms or areas like lofts and cellars. Be mindful of policy conditions particularly for Second Homes, which will likely have conditions applied relating to maintaining the temperature (check the minimum temperature required too).

 

2_Lag or insulate water pipes and tanks

Uninsulated pipes and tanks are at greater risk of freezing, which can cause pipes to burst and lead to significant water damage. Insulating pipes is considered a preventive measure, and it's worth checking if your insurance policy stipulates that pipes/tanks must be lagged. Failure to do so could void insurance claims if the damage is deemed preventable.

Action: Ensure all exposed water pipes and tanks are lagged or insulated, particularly in loft spaces, garages, and external walls where pipes/tanks are more vulnerable to freezing. If you are not leaving the heating on and you intend to be away, consider draining down the water system completely or investing in equipment that detects leaks and closes the water supply, thus minimising damage.

 

3_Know the location of your property’s water stopcocks

In the event of a burst pipe, the quicker you can turn off the water, the less damage your property will suffer. This can be crucial in preventing flooding and minimising water damage.

Action: Familiarise yourself with the location of your water stopcock and ensure it’s in good working condition. Do test it periodically to ensure it isn’t stuck or stiff.

 

4_Keep heating on when away from the home in winter

If you vacation during the colder months, particularly over the festive season, leaving your home unheated can increase the risk of frozen pipes and tanks, particularly overnight when the temperatures drop. Be aware that some insurance policies may contain conditions that require you to maintain a set temperature during winter months and/or when away from the home for extended periods.

No one wants to suffer burst pipes, particularly over the festive season when the inconvenience factor is heightened, and contractors may be harder to engage.

Action: Set your heating thermostat on low (at least 10 degrees) and leave the loft hatch slightly open to allow warm air to circulate in colder parts of the house. This may help prevent water pipes and tanks from freezing.

 

5_Clear gutters and drains

Autumn leaves and debris can block gutters and drains, leading to water overflow that may cause damage to your property’s roof, walls, and foundations. Damage caused by water ingress due to blocked gutters might not be covered by your insurance if it's considered a standard maintenance issue, so stay on top of these checks.

Action: Regularly check that gutters and drains are clear of debris to prevent blockages. If it’s unsafe for you to do this yourself, hire a professional. It may be more cost-effective for you and your neighbours to bring in a specialist to do several properties together.

 

6_Don't forget garden furniture and outdoor areas

Unsecured outdoor items are at risk of damage or causing damage in strong winds. Some insurance policies may not cover items in the open against storms or damage. So, securing your outdoor belongings is an essential point on your autumn checklist. Also, be mindful of frozen patios, driveways, or paths. These pose a slip hazard to visitors and occupiers.

Action: Safely store away or secure any loose items, such as garden furniture, tools, and ornaments during strong winds. Keep a supply of products, such as grit or sand, to keep paths and driveways safe in freezing conditions.

 

7_Check roof coverings

Storm damage to your roof can allow water to leak into your home, causing internal damage that can be costly to repair. Look out for:

• loose tiles


• tiles on the ground surrounding your property


• damaged flat felt roofs


• or any other signs of wear.

Undertake any necessary repairs before the bad weather arrives. Roof damage caused by wear and tear is generally not covered by insurance, so regular maintenance is key to avoiding larger repair costs later down the line.

 Action: Inspect your roof coverings, including tiles, shingles, and felt roofing. If it’s unsafe for you to do so, instruct a specialist. Make sure any repairs required are undertaken quickly to avoid further damage as the seasonal weather continues.

 

8_Check the health of trees on your property

Autumn and winter storms can cause havoc if a tree or branches fall onto your property. If you have trees close to your property, your neighbours' properties or overhanging public areas, it’s essential to monitor their health. Damage caused to property by falling trees is usually covered by household insurance, however, regular maintenance may prevent claims. Most importantly, this maintenance will help protect the property and those within it.

Action: Look for any signs of disease in your trees. Consult a tree surgeon or similar specialist, and where permitted (i.e. if there isn’t a tree preservation order in place), undertake any required pruning or measures to support the tree's well-being.

 

9_Install or test a sump pump

If your home is prone to flooding or is in an area with a high water table, installing a sump pump can help manage excess water. Flooded basements and foundations are a common problem after exceptional rainfall, often causing significant damage to property. Check your policy to see what is covered.

Action: Install a sump pump if you don’t already have one. If you do, ensure it is in good working order before the wetter months arrive.

 

10_Prepare for power outages

Winter storms can cause power outages, leaving your home without heating, lighting, or even security systems, particularly in rural areas.

Action to take: Invest in battery-powered lanterns, blankets, and an emergency power source. If you rely on electric heating, consider a backup option, such as a wood-burning stove or gas heater. Take extra precautions to avoid fire when using portable heating or lighting options.

 

Consider professional help

While many of these suggestions are manageable for homeowners, safety is always the priority. If it’s unsafe to undertake these tasks yourself, consider hiring a competent tradesperson to help. Regular maintenance and preparation can significantly reduce the risk of damage to your home during autumn and winter, ultimately minimising the need for insurance claims and the inconvenience to the homeowner.

 

Final thoughts

The UK’s autumn and winter weather can be unpredictable. Taking the necessary precautions can help protect your home from common issues like burst pipes, water damage, and storm-related damage. Ensuring your home is prepared for the worst not only keeps your family safe and warm, but can also help you avoid unnecessary claims on your insurance.

It’s also important to review your home insurance policy to ensure it provides adequate coverage for seasonal risks. Check your policy’s coverage of storm damage, flooding, and water ingress, and if you’re unsure about specific clauses, do contact our friendly team of professionals.