Published: 08/09/2015

Put a Freeze on Winter Claims

With winter on the way and freezing conditions soon to be the norm for most of us, Andy Price, Managing Director of Coversure in Hull, offers homeowners and businesses advice on coping with these conditions. While the dangers from freezing conditions will vary across the region, most of us will be affected by freezing weather conditions at some point. With the Met Office already predicting a colder winter than last year, you’re better to be prepared. That way, a white winter will still be a trouble-free winter...

If you are properly insured, you should be covered for the damage resulting from freezing conditions and if you have used a broker to place your insurance you will be able to get some professional advice if the worst does happen. Nevertheless, it is extremely important to be prepared for severe freezing weather before it strikes – after all – prevention is better than cure.

Here are some useful tips to help you make a plan:

  • Ensure you have an emergency supply kit which includes non-perishable food, water, torches, battery powered/wind up radio, spare batteries and clothes.
  • Keep insurance documents and numbers safe and easy to find in a plastic folder
  • Keep mobile phones fully charged
  • Ensure you have sufficient supplies salt, sand and snow shovels to clear paths and small roads – and make sure that they are close at hand. How would you feel if you had to dig out your shovel!
  • Make sure an adequate disaster recovery plan is in place.  Ensure everyone knows what to do in case of an emergency and how everyone will stay in contact. In particular make sure that elderly relatives have your contact details.
  • Prepare your home or business.  Ensure the premise has adequate insulation, loft insulation is recommended to be 270mm (10.5”) in thickness and in good condition.
  • Check all pipes and tanks that may be liable to freezing are fully lagged, even allow taps to drip a little to ensure the water is moving through the pipes.
  • Check the heating system is in good working order. If you are away from the building leave, the heating on a low setting in case there is a sudden drop in temperature.
  • Ensure you car/vehicle is fully fuelled, washer fluid is topped up with the appropriate winter mixture and is generally in good working order – just in case you need to get away.
  • Keep some warm clothes in the boot

Following these simply steps should see that you are fully prepared should we experience similar freezing conditions and adverse weather to that seen last year. Checking with a local insurance broker will make sure you have the correct cover in place and they should be able to offer you advice on the best ways to minimise the risks of adverse weather conditions.