But don’t rest on your laurels – polar conditions could descend upon as at any time. This is Britain after all.
This is particularly important when it comes to looking after your property during winter. Freezing temperatures can cause pipes to burst or leak, potentially causing serious water damage. So, if you haven’t done so already, check that your home insurance covers damage caused by freezing pipes. You’d probably expect it to be included, but, sometimes, it isn’t.
Insurers handle policies differently, with some including a so-called ‘thermostat clause’ in the small print. A policy might require you to leave the thermostat set at a minimum temperature if you leave the property for five or more days, for example. So, keeping your heating on a timer for an hour in the morning and evening or relying on the thermostat frost setting might not be enough should the worst happen and you need to make a claim.
With one in five claims originating from burst pipes and escaping water during the winter, and the average claim for related damage ranging from £6,500 to £7,000, you’re best advised to make sure you’re covered as soon as possible.
If you’re in any doubt, give us a ring or call your insurer.