Too many people ask what they are covered for when they need to make a claim. We work with you to ensure that you understand what cover you have at the outset. This way not only do you understand but we can advise you on aspects of cover specific to your circumstances.
As you can imagine, there are various levels of home insurance cover on the market. We like to say to customers – start off by thinking perils! Perils are events such as a fire, flood or fire. On most policies, these can be viewed in Section A.
When you read this wording it may become clear to you that the policy doesn’t cover maintenance issues, including dry rot, wear and tear, and damp. Some people assume that their home insurance policy will cover these types of issues. However, this is not the case and it is up to you to maintain your home to avoid these unfortunate situations.
Top tip: It is a good idea to find a local handyman that you can trust. He will be able to keep on top of maintenance issues such as clearing gutters, unblocking drains and lots more odd jobs.
During winter is when the majority of damage occurs. The weather here in the UK and Northern Ireland can be tough on properties – wind, rain and snow – can lead to various issues. A reliable handyman will be able to keep on top of things that you don’t have time to do. The money spent on him is a good investment.