Most people who own a property, whether it’s their home or a business premises, have building insurance for it. In fact, it’s normally compulsory if you have a mortgage on the building — otherwise, it’s just overwhelmingly sensible.
- Accidental Damage — this could be anything from the kids kicking a football through the window to cracking the wash-basin by dropping something into it.
- Weather Damage — extreme weather can damage your property either directly, such as a storm blowing off tiles, or indirectly, such as a tree being blown onto your roof.
- Water Escaping — the most common reason for this is pipes being allowed to freeze and burst.
- Burglary — a break-in doesn’t only affect the stolen possessions, you may also need to claim to repair a smashed window or replace a door.
- Malicious Damage — this may occur during a burglary, but you could also find yourself the victim of vandalism.
Prevention Is Better than Cure
Most building insurance policies allow you to claim for all these and more, from fire damage to the effects of freezing weather. However, the insurance company’s Loss Adjuster will be on the look-out for any negligence on your part that may invalidate your claim. The best solution is to give no reason for this, and here are few of the most common examples:
- Improving the standard of your locks and installing a burglar alarm can significantly reduce the risk of being burgled, but if it does happen the Loss Adjuster would find it difficult to turn down your claim.
- If you have a chimney, it’s vital to keep it swept. This will reduce the risk of fire, as well as satisfying your insurer.
- Leaving your gutters blocked with dirt or leaves can cause water damage and could leave you at risk of your claim being rejected.
- Freezing weather can cause a range of problems, from structural damage to burst water pipes. These may be covered by your building insurance, but it’s far better to prepare before the weather turns cold.
You can claim for many things on your building insurance, but it’s even better to reduce your chances of needing to claim. And, in any case, your precautions mean the Loss Adjuster will have no ammunition for rejecting your claim.