Short Term Insurance News | Bluecare Financial Advisors

Tips on Protecting your home and making claims more valid

Gutters: Clear debris to allow rainwater to flow freely, avoiding clogging and water damage.

Debris (bits and pieces of dirt, leaves, grass): Remove debris and moss to protect the structure and prevent leaks and blockages.

Dried or cracked waterproofing: Heat can weaken waterproofing over time. Inspect and repair dried or cracked areas to prevent heat and storm damage.

Moss growth: Debris traps moisture, causing moss or algae to grow. Regular cleaning prevents moss build-up which can lead to mold and lift roof tiles, damaging the roof’s structure.

Roof tiles: Check the roof regularly for shifted, cracked or missing tiles, especially after storms.

Barge boards (boards fastened to your roof): Barge and fascia boards can loosen over time. Secure screws and treat exposed wood to prevent rot.

Check for cracks: Ensure there are no cracks around windows and doors that could allow water to enter the home. Seal any gaps to avoid water damage.

For clients who have a thatch roof, they must ensure that it is well-maintained and consider installing lightning protection if they don’t have it. For additional protection, a fire retardant and the installation of a water drenching system is recommended.

Stay updated: Keep an eye on weather forecasts and storm warnings to be prepared for any severe conditions.

Secure outdoor items: Bring in or securely anchor outdoor furniture, plants, and other items to prevent hail damage or them becoming projectiles during a storm.

Trim trees and shrubs: Keep trees and shrubs trimmed to minimise the risk of branches breaking off and causing damage during a hailstorm.

Install impact-resistant materials: Consider using impact-resistant roofing materials and window coverings to provide extra protection against hail.

Document their maintenance: Keep records of any maintenance work done, as this can be helpful if they need to claim for damage.

Hydration: Clients must ensure that their families, especially young children, stay hydrated by drinking plenty of water throughout the day.

Sun protection: Use sunscreen and protective clothing when outdoors to protect against the harmful effects of UV rays.

By maintaining their homes regularly, clients can safeguard their home and minimise the risk of potential issues.