Spot the signs of damage inside your home

You need to be able to spot signs of damage to your home as soon as possible, before it becomes a big problem. Five things you might want to look out for: A. Damage to your bathroom seals If the sealant around your shower or bath is missing, or starting to crack, then water may…

Victim of burglary? What should you do?

Hopefully your home will never be burgled. It is a horrible experience, and expensive; the average cost of a burglary in the UK, including damage to property and stolen property, is well over £2,000. If you do return to your home and find it has been burgled, what should you do? Don’t rush in Don’t…

Storm Doris to hit the UK this Thursday

High winds are forecast in the next few days as Storm Doris will hit on Thursday, particularly affecting the North of England. If you have a garden, check for any items that could be blown around and cause damage to your property – toys, barbecues, light tables and chairs, even bicycles could all become hazards…

Biggest risk in the home?

We have been asking some of PolicyCastle’s users what risks they are most concerned about when they buy home insurance. Depending on geographic location, their big causes for concern are damage from weather – flooding or storms, and theft. However according to the Association of British Insurers’ statistics, the biggest causes of claims are from…

Cracking up? Signs of subsidence

Subsidence occurs when the ground under your home sinks lower, taking some of your foundations with it. Cracks appear in your building as one side moves away from the rest of the structure. Signs of Subsidence Not all cracks are caused by subsidence, they may be caused by temperature changes causing walls to shrink or…

Smoke alarms are worth every penny

88% of homes in England have a working smoke alarm, according to Home Office statistics. It is striking that 30% of domestic fires and 35% of domestic fire fatalities are in the 12% of homes that don’t have a smoke alarm.(1) 36% of the fatal fires in homes are caused by smokers’ materials, the largest…

Should I worry about my flat roof?

Home insurance application forms ask if your home has a flat roof, and if it does what percentage of the total roof is flat. Insurers clearly see a flat roof as higher risk than a sloping – or pitched – roof. Why?

How much cover for alternative accommodation have you got?

If the worst happens to your home, you will want you and your family to stay somewhere safe and warm while the damage is put right. Repairs can take a long time if damage has been severe, for instance from a flood, so you may be out of your home for an extended time. Home…

Forecast: high winds – put away garden furniture

High winds are forecast in the next few days as Storm Barbara will hit Scotland, Northern England and Northern Ireland on Friday. If you have a garden, check for any items that could be blown around and cause damage to your property – toys, barbecues, light tables and chairs, even bicycles could all become hazards…

What can you do if flooding is forecast in your area?

Unfortunately, the effects of a flood can be devastating. There are things you can do to prepare your home, which hopefully will reduce the damage. Gas, electricity and water supplies: turn them off at the mains. Contents in your home: move them high up, preferably upstairs, particularly your valuable items.  Unplug all electrical items. Internal…

Cold snap on its way – how to prevent frozen pipes

It is not too late to get your home ready for the cold weather forecast for next week. It’s particularly important to prevent frozen pipes – here is our list of things you can do: Leave your heating on a constant low temperature, or if you are going to be away for a few days…

Five gold rings

Sadly, most of us won’t be given five gold rings on the fifth day of Christmas. But we may well be given, or give, some expensive presents that we would really want back if they were ever stolen. What can you do now to help the police if your valuables are taken by a burglar in the…

Keep burglars out in the cold this Christmas

Unfortunately thieves know that Christmas presents can be rich pickings, particularly the latest electronics. So what are some simple improvements to make sure that you are only visited by Santa Claus and not by a burglar? Keep valuables, and Christmas presents, out of sight. And don’t leave packaging lying around that shows you have just…

How to avoid pain when making a home insurance claim

Prove it Insurers’ claims teams want to see proof that the event you are claiming for has happened – unfortunately they have to watch out for fraudulent claims. Often providing proof is straightforward. But if your valuables were stolen by a burglar and you didn’t report the theft to the police, then your insurer may…

A stitch in time…

Check your home is secure against the elements before it starts to get cold. Here are the PolicyCastle top tips for the jobs to get done while the evenings are still warm and light.