Especially the last paragraph
Home and Contents Insurance. Poor maintenance can invalidate your cover. Michael Challiner 17/11/05
New Homes in Rural Communities Planned
Thousands of new, affordable homes are to be built in our rural communities. This article outlines the proposals made by Matthew Taylor MP . Our countryside will become the home for just the wealthy unless something is done.
Tips On How To Arrange Cheaper Home Contents And Buildings Insurance
Some sure fire ways of reducing the cost of home insurance.
Contents insurance – check your cover
It's easy to arrange your home and contents insurance and then forget about it. Make sure that you're up to date with the cost of replacing your belongings.
How much do you value your home's contents? Keep them covered.
Keep your sum insured on your house contents policy up to date. If you're under insured, your claim may well be reduced accordingly.
Complaints Soar As Homeowners Are Let Down By Insurers
As the UK has seen some of its worst weather in years many homeowners whose homes have been left severely damaged have been let down by their insurance companies. Complaints have arisen due to this sad fact.
Life Insurance News Most home and contents insurance claims proceed smoothly, except perhaps for occasional disagreements about how much something was worth. But another re-occurring difficulty is where damage is due to poor building maintenance. The homeowner has a duty of care and the insurers take a dim view of claims that the homeowner could, and should have, avoided. AS a result insurers may scale down or even reject your claim.
To avoid such problems you should give your house an annual Maintenance MOT. A springtime check would be good. By carrying out just a few simple checks, it should be possible to find problems at an early stage.
Rain, wind, snow and frost place some of the biggest day-to-day strains on the structure of your home. Consequently, most homes develop a few problems in the autumn and winter months, so a springtime check can save much time and expense further down the line.
It's not as if you'll be paying money that you could claim later on an insurance claim. Indeed, any costs you claim that were really a maintenance issue, will be rejected by your insurance company.
Here's our 10 point springtime MOT for your home:
• Clean out the gutters. Autumn can be especially hard on gutters as lots of debris can accumulate. That must be removed. Blocked gutters and down spouts can quickly cause enormous damage if water is left to overflow and penetrate the structure. But please be careful with this job. Working up ladders is dangerous so why not get your window cleaner to do the job!
