Most buildings insurance will offer you protection against damage caused by
cold weather, although it should be remembered that the most insurance
policies won't reimburse you for any damage caused by frost. Whilst it
probably will be possible to claim if you happen to suffer damage from
cold weather, it's always best not to claim on your home insurance
unless you absolutely have to, so here is a bit of guidance on how
to protect your house.
There are many things that you can do before the cold weather arrives. The
first thing you should do is locate the main stopcock for your house,
make sure it is in good condition and that you can turn it on and off.
You should also repair any dripping tabs, and look in the loft space to
see whether it contains any water pipes and tanks.
Insulation is the key to protecting your pipes and tanks from frost. If it is
damaged, or too thin, you should try and improve it or buy some more
insulation. Any pipes and tanks - in fact anything that may carry
water - is liable to freezing and will need to be lagged. Lagging is a
type of insulation that wraps around pipes and is often clamped in
place. Generally speaking, the thicker the lagging the better,
especially if you live in a very cold part of the country, or have a
very well-insulated loft floor as this may prevent heat rising from the
rest of the house.
Any bends in pipes, or hard to get sections, should be insulated with
securely fixed strips of insulation material - if you are struggling
to keep the insulation in place you can buy all sorts of fittings from
plumbing merchants. You should also invest in a preformed tank jacket
filled with glass fibre matting for your water tank, this will guarantee
that it won't freeze.
Don't insulate underneath any tank, and you may want to consider leaving
some pipes un-insulated underneath. If you place insulation material
below water carrying pipes or tanks, warm air is unable to rise from the
room below to heat the pipe or tank, thus leaving it more likely to
freeze. This does not, however, apply to central heating leader tanks
which are often raised above the ground level, and this should be
completely enclosed in an insulating jacket.
Make sure insulation is placed over the pipes which run between the joists.
This will make sure that they are enclosed in an insulation envelope in
the house. The best method is to try and create - with insulation -
a method of keeping the pipes and tanks in the warm part of the house.
Whilst everything has to be secured, however, you will need to leave
some panels loose allowing space for maintenance.
Homeinsurance is a very important product, and doesn't have to be
expensive. You can buy cheap policies online and it's best to make sure that you
have a policy that will protect you from anything the weather can throw