Home Insurance

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Storm damage: What homeowners need to know

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Storm damage: What homeowners need to know

Storm Brendan was an unwelcome addition to January 2020, followed by Storm Dennis in February causing chaos right across the UK. Gusts of more than 80mph, flooding and wintry showers damaged buildings, roads and railways. Although storms aren’t unusual in the winter, records show that in recent years, they’re becoming more severe so it’s important to be prepared.

Some simple steps can help minimise the risk of your home being damaged by stormy weather and, if the worst happens, make sure you’re covered both in terms of insurance and support for potential repairs.

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Keep Christmas merry and avoid these hazards

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Keep Christmas merry and avoid these hazards

‘Tis the season to be jolly but as the festivities get into full swing, it’s important to keep your home safe. From the arrival of Christmas trees and decorations through to family gatherings and cold snaps, there’s potential for numerous hazards at this time of year. But the good news is that most mishaps can be easily avoided, so here’s our guide to minimising your risks and preventing a home insurance claim.



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Upgrading a damaged property: what to consider

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Upgrading a damaged property: what to consider

Despite the inevitable stress that a damaged home or premises causes, there can be one good thing that emerges from a disaster – the chance to upgrade a property. From redesigning a kitchen through to installing new protective fixtures, there is a range of improvements that can be weaved into the repairs process to help make the best of a bad situation.   

Here we outline the benefits of upgrading damaged premises, what property owners need to consider, and some of the pitfalls to avoid.

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Insurance claim grumbles and how to bypass them

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Insurance claim grumbles and how to bypass them

Buildings insurance claims can be complex, but some insurers are falling short of property owners’ expectations.  

Analysis by consumer group Which? has revealed that buildings insurance generates the most complaints in the sector. Compared to last year, gripes have risen by 42 per cent, and 35 per cent of cases handed to the Financial Ombudsman Service ruled in favour of the policyholder.

The cause of complaints can vary, but here’s our list of the top five grumbles and how to take the stress out of the claims process.

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Case study: Insurance repairs in action – repairing an en-suite shower room

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Case study: Insurance repairs in action – repairing an en-suite shower room

The best way to illustrate how we can help you with your insurance repairs is by showing you some of the work we’ve done. We spoke to a recent client, Janice, who called us in to help with her insurance claim and the associated repairs to her property, following a water leak in her hall cupboard and en-suite shower room.

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Does your insurance include alternative accommodation cover?

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Does your insurance include alternative accommodation cover?

Have you ever considered what cover for alternative accommodation is included in your property insurance policy? If your home or business suffers severe damage, you might need to move elsewhere temporarily, so it’s important to ensure you have the right level of cover. This will save you money in the event of a property insurance repair claim.

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Guarding against home insurance fraud

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Guarding against home insurance fraud

Insurance fraud adds, on average, £50 to the annual insurance bill for every UK policyholder, according to the Association of British Insurers (ABI). In fact, ABI figures show that in 2016, insurers detected 125,000 dishonest insurance claims valued at £1.3 billion. Of these, bogus or exaggerated home insurance claims make up the largest proportion of frauds.