Winter weather precautions!

Winter can bring with it troublesome times for people, no matter if you are a homeowner, tenant (private or commercial property) or a business who operates all year round.

Have a look at our hints and tips to make sure your Winter is not spoilt by the damage it can bring.

 

Household/Residential Property Owners or Commercial Policies


Terrorism

Please click here for the latest information from the Home Office

If you are unsure above the cover provided by your policy for this risk please contact us for clarification


Corner Cutting Fears

Whilst many businesses need to control costs to survive, this year there is real concern that organisations will also cut corners, leading to an unsafe working environment.

 

Click here to read more


Motoring your way out of the recession

 

Managing work-related vehicle risks can be of great benefit to yourbusiness and can help you save money. We examine the changing nature of motor fleet risks and how the recession may impact on them, with tips on how to best manage the risks:

 

Click here to read more

Insurance Times

BBC News

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The killings of two Western reporters in Homs and the reported deaths of 60 people across Syria trigger Western condemnation of Bashar al'Assad's regime.
Yesterday 6:57 pm (7 hours ago)
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Northern Irish comedian Frank Carson, whose catch phrases included "It's a cracker", has died aged 85, surrounded by his family.
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African and Western leaders are to discuss the future of Somalia, including the threat from terrorism and piracy, at a major conference in London.
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A former nightclub bouncer is jailed for a minimum of 35 years for murdering pregnant teenager Nikitta Grender two weeks before she was due to give birth.
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Australian Prime Minister Julia Gillard calls a ballot for the leadership of the Labor Party on Monday to end a tussle with Kevin Rudd.
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Computer firm Hewlett-Packard sees a drop in first-quarter sales, as it attempts to turn itself around under new chief executive Meg Whitman.
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A controversial anti-piracy agreement is to be referred to the EU's highest court due to concerns surrounding internet freedoms.
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File-sharing site Pirate Bay vows to carry on after the High Court lays the foundations for its closure.
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Yesterday 10:18 pm (4 hours ago)
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Yesterday 10:09 pm (4 hours ago)
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Yesterday 10:40 pm (3 hours ago)
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24 hours of news photos: 22 February
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Friday, February 17th, 6:13 pm
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Yesterday 10:40 pm (3 hours ago)
Ethiopian and Somali troops have taken a strategic stronghold of Islamist militants in south-western Somalia.
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Yesterday 6:07 pm (8 hours ago)
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Yesterday 10:27 pm (4 hours ago)
At least 49 people have been killed in a train accident in Buenos Aires.
Yesterday 10:20 pm (4 hours ago)
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Winter Weather Precautions Household/Residential Property Owners

 

Every winter millions of pounds of damage are experienced by households and businesses from burst pipes. roof snow collapses and water ingress.  However, when temeratures start to fall, by taking some basic precautions and planning ahead, many incidents can be prevented or the effects of damage minimised:

 

  • Make sure that exposed water pipes and tanks in the loft are properly insulated.
  • Do not insulate underneath water tanks as warmth from below will help to prevent the water from freezing.
  • Leave your heating on "constant" ie 24 hours per day during severe freezing temperatures.
  • Know where your main stop valve is located and make sure you can turn it on/off with ease.  It's also a good idea to label it so that all the household are fully aware of its location in an emergency situation.
  • Repair dripping taps.  It is usually just a washer that is needed.
  • A constantly dripping overflow pipe is a sure sign that your system requires some maintenance.
  • If, during freezing conditions, the heating fails or makes loud banging noises, this could indicate that a pipe is freezing. 
  • Turn off the boiler and call a plumber immediately - you may already have an annual contract with a plumber.
  • Pay particular attention to boilers that have drain and condensate lines as these can freeze very quickly.
  • Make sure that gutters and drainage systems are inspected and cleared of any obstructions, leaves or other debris. Overhanging icicles may indicate that guttering is not draining thawing snow adequately

 

When you leave your home/residential let property unoccupied:

 

  • If you plan to go away, for no matter how short a period, leave your heating on constantly if a cold spell is predicted.
  • Also check if any unoccupancy conditions will apply to your insurance policy.
  • Do isolate the domestic water supply if your home is to be left for a long period.
  • Leave the loft hatch open to allow warm air to circulate into the loft space.
  • Even if you leave your home for longer than one day, ask a neighbour or relative to check the house regularly so that any problems can be detected and dealt with immediately

 

Follow these simple steps should you experience a burst pipe:

 

  • Turn off the water supply at the main stop valve.
  • Contact an approved plumbing and heating engineer for assistance.
  • If you should locate a frozen pipe, NEVER use a naked flame to thaw it out.  A hot water bottle will assist in achieving a gradual defrost, always starting from the end nearest the tap

 


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