Ability provides plumbing, heating and electrical support in the South East. Home Insurance if very important. We have received numerous calls from clients over the years where they have been away and unfortunately have come back to a leak or they have a fault with their boiler.
When making your final preparation to go on holiday or visit family and friends over the summer, as well as packing the suitcase, checking for passports, sun cream and that the sunglasses are at the ready you need to think is my home safe. Have you checked all electrical sockets are turned off that can be, have you turned the water off and do I have appropriate home insurance? It is very easy to forget the latter.
It is important to know what your home insurance policy covers for most eventualities as the last thing you need when returning from a nice break is a huge bill for an essential home repair because your home insurance is inadequate.
Home Insurance Claim
In our experience boilers seem to go wrong at the most inconvenient time, so check do I have emergency cover included in your home insurance. Also, many companies now will only cover emergency call out claims for boilers up to the age of 15 and some only up to the age of 10. Ability feels this is very unfair as 10 years is not exactly old with the quality of manufacturing these days, even if it’s a condensing boiler.
One in five home insurance claims tend to be down to a water leak internally rather than externally and if this happens whilst you are away the damage could be catastrophic. Therefore, it is so important that you have the right cover for you. We all like to grab a bargain but the cheaper option is not always the best! Check the excess, if this is high it becomes a false economy going with a cheaper premium option and look closely at what you are actually going to be covered for.