Is your home ready for the bad weather ?

A survey by Lloyds TSB Insurance has revealed that bad weather has caused over £1billion worth of damage to British homes in the past year.

homw insurance claims

Th coldest winter in 30 years saw a huge rise in home insurance claims during December and January alone. Over these 2 months, homeowners reportedly made around £200 million worth of claims for rain, snow and ice damage to their properties.

According to statistics, 1 in 8 homeowners is affected by weather damage. In spite of this, only half of all homeowners take preventative measures to protect their home from the detrimental impact of bad weather.

You may have noticed a nip in the air at the moment as we move into autumn, and there are certainly a few more winter coats cropping up in our office each morning! As the weather starts to turn colder, it could be wise to turn your attention to your home.

It may only be September, but it’s a good idea to be prepared.

What steps can you take to help minimise the impact of bad weather on your home?


More than 50% of heat lost in a typical home is through walls or the roof. Installing loft and cavity wall insulation can help minimise the amount of heat that escapes.  As well as keeping your home warmer and cosier, it can also help cut your fuel consumption – which is better for your wallet and the environment.

For more details on cavity wall insulation, solid wall insulation or loft insulation – visit the Government’s insulation and heating advice page.


Old, inefficient boilers can cause a whole host of problems. Not only could you be left without heat and warm water, you could suffer damaging water leaks.  It may be quite an expensive outlay to install a new boiler, but it could save you money in the long run.  Condensing boilers are more efficient than ordinary boilers as they produce less carbon dioxide and cut down heat wastage.


The purpose of guttering is to effectively drain rainwater away from the roof down towards ground level. If there’s a build up of dirt or leaves in the gutter, it can cause a blockage and potentially lead to damp problems in your walls. Having your guttering checked and cleaned every so often can help prevent expensive issues in the future, such as cracked and leaking gutters.

Pipe work

Insulating pipes can help reduce heat loss and also help protect against frozen pipes. It’s a good idea to insulate external pipes and any internal ones that are exposed to the cold. In cold weather, check all your taps regularly to make sure the water flows efficiently. If there’s little or no water – there could be frozen water in the pipe.


Check for loose or missing tiles on your roof and remove any debris from a flat roof.  If you have any concerns regarding your roof it’s advisable to seek professional advice. Don’t attempt any maintenance work at height unless you’re qualified to do so and have the right equipment.

Power cut prep

Keep torches in a handy place in case of a power cut and make sure they’re fully charged or have new batteries. You can also get useful wind-up torches which are great for emergencies as they’ll never run out of juice.

Any other maintenance tips – please let us know!

Policy Expert

We’re an online home insurance broker, dedicated to helping customers find the policy that’s right for them. To speak to one of our experts, call 0203 014 9300 or email

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