How home insurance and business insurance can help with unexpected plumbing bills

During the winter months frozen and burst pipes can be a major problem, but with a proper home insurance policy this problem can be dealt with quickly and efficiently and also gives you peace of mind. Having home emergency cover added to your existing home insurance policy is a good idea as it provides an emergency call out of experienced professionals for a number of household emergencies such as burst pipes and flooding.

Things to be aware of before making a claim
Before making a home insurance claim, it is important to remember that you will have to pay an excess. Many home insurance companies offer a higher excess for cheaper insurance premiums, so make sure that you can comfortably afford the excess before taking out the policy in the first place.

The best thing to do is avoid claiming
Home insurance and business insurance are great for when things go wrong, but taking precautions to avoid a plumbing related emergency is definitely the best option. Here are some helpful tips for avoiding common plumbing problems:

Preventing frozen pipes – be sure that external pipes are insulated from the cold weather and if you are away for an extended period make sure that the heating is on even at a lower temperature, this will help against pipes freezing. Also you could ask a friend or neighbour to check on your house when you’re not there.
Preventing water leaks – make sure you know where the stop cock is; this should stop any leaks and prevent further damage to your house and belongings.

Fitting loft insulation – fit some loft insulation around all of the pipes, joints and beams and ensure that your water tank is well insulated too; water storage tanks are more prone to freezing if they are situated in the loft.