Insuring your home for winter

Insuring your home for winter

Your home insurance is there to cover you when things go wrong, but it’s also down to the home-owner to ensure their property is winter-ready. Did you know that in some cases a weather-damage claim may be refused if the insurer feels that the homeowner hasn't maintained their home to a sufficient standard? Fear not – our handy tips are here to help! 

Read through our list of tips so you and your home are prepared for the oncoming season.  

Preparing your garden and external areas for winter 

  • Check roofing for loose or cracked tiles
  • Secure garden furniture so they can withstand possible strong winds 
  • Empty water features to prevent cracked pipes during frozen temperatures 
  • Attend to any loose tree branches that are close to the home 
  • Cover and store electrical garden items such as lawn mowers to prevent water/frost damage and rust

Preparing inside your home for winter  

  • Do you live in an area at risk of flooding? If so, it is worth considering raising the height of your sockets to avoid possible danger and water damage flooding may cause
  • Consider storing valuables and important documents in a safe and waterproof container 
  • Ensure your loft is insulated to keep your home warm 
  • Check for any leaky taps – these can freeze and block the pipes when cold weather arrives.
  • Burst pipe detectors can be life-savers in the event of a frozen-then-burst pipe. Check out Water Hero’s range of devices. 
  • Have an emergency flood kit. Some items to include would be a broom, spade, mop and bucket; domestic detergent and disinfectant; rubber boots, gloves and protective clothing; waterproof torch and radio; bottled water for drinking.
  • Consider installing leak detectors, such as these. They detect the leak and switch off the water supply before it causes damage to your home. 

While this list isn’t exhaustive, following the simple precautions above can help reduce your home’s risk to weather-related damage. But sometimes despite your best efforts, the worst happens - which is why it’s vital your home has the best possible cover. La Playa will take time to assess your specific needs and provide expert advice, along with tailor-made insurance policies for your home.

For a review of your home insurance and winter-readiness, get in touch today. 

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About La Playa Private Client

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Specialist & Independent

La Playa Private Client creates a safe space for you to live life to the full, enjoying your family, friends, and assets wherever you are in the world - without worry or hassle.

We can make sense of all your insurance needs - property, yachts and superyachts, high-performance and classic cars, private jets, art, wine and jewellery collections – and your liabilities too. We can pull multiple assets together on a single “portfolio” policy – or if you prefer, take care of each item separately. 

Amid the impersonal and automated world of large insurance corporations, La Playa provides a refreshingly boutique-style service, with individual advice, and cover based on in-depth understanding of your specific situation. After a detailed and confidential review of your needs and priorities, we’ll structure your insurance arrangements so you know you and your family are protected, come what may.  

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