Winter can be a magical season, offering cosy nights by the fire and snowy landscapes. However, the colder months also bring challenges that can put your home at risk. Taking proactive steps to protect your property can prevent costly damage and ensure a safe, comfortable winter.
In this guide, we’ll cover essential winter insurance tips to help keep your home secure.
Inspect Your Home for Potential Hazards
Before winter fully sets in, check your home for areas vulnerable to cold-weather damage:
· Roof & Gutters: Look for cracked or missing roof tiles that could lead to leaks, and clear your gutters to prevent water overflow.
· Windows & Doors: Seal any cracks or gaps to prevent drafts, reduce heat loss, and lower energy bills.
· Outdoor Items: Secure garden furniture, trampolines, and other loose items to prevent wind damage to your property or your neighbour’s.
Maintain Your Heating System
A heating system failure in winter can be both costly and uncomfortable. Ensure your system is in good working order by:
· Scheduling a professional inspection of your furnace, boiler, and chimney.
· Keeping your heating on at a low setting to prevent frozen pipes, even if you’re away.
· Using a smart thermostat to manage indoor temperatures efficiently while keeping energy costs in check.
Prevent Fire Hazards
With increased indoor heating, fireplaces, and candles, the risk of house fires rises in winter. To stay safe:
· Never leave open flames unattended.
· Keep combustible materials away from heat sources.
· Install and regularly test smoke alarms to enhance fire safety.
Clear Walkways and Outdoor Paths
Slips and falls are common winter hazards, often leading to liability claims. Reduce risks by:
· Regularly clearing snow and ice from walkways, driveways, and entrance paths.
· Using salt or grit to prevent slippery surfaces.
· Ensuring outdoor lighting is functional to improve visibility for visitors and delivery personnel.
Prepare for Power Outages
Power cuts can be disruptive, especially in remote areas. Stay prepared by:
· Keeping mobile devices charged with portable power banks.
· Having an emergency supply of candles, torches, and battery-powered lighting.
· Minimising fridge and freezer use to maintain food temperature—store essentials in a cold box if necessary.
· Keeping emergency contact numbers handy, including your energy provider’s details.
Final Thoughts
Taking the right precautions can help protect your home, family, and finances from winter-related risks. Alongside these safety measures, review your home insurance policy to ensure it covers winter hazards such as frozen pipes, storm damage, and snow-related incidents.
Not all policies provide the same level of protection, so be sure to double-check your coverage and update it as necessary. Being well-prepared will give you peace of mind, allowing you to enjoy the winter season without unnecessary worry.
At Riskworks, we specialise in providing advice and cover for clients with all types of home insurance requirements. We can review your needs and ensure you are fully protected now and in the future.
For expert advice, contact Lindsey Ramsden / Samantha Armstrong on 01625 547754 or by email lindseyr@riskworksbusiness.com / samanthaa@riskworksbusiness.com