How to prevent home insurance claims

Feb 7, 2018 by

How to prevent home insurance claims

5 common home insurance claims and how to prevent them


Wasim Bux is the Product Manager at car and home insurance provider iGO4. Here, he shares his top tips for ensuring your home is safe and secure, so you can keep your insurance premium down.

Every homeowner needs home and contents insurance: it will give you financial protection against the likes of accidental damage, house fires, and water damage. However, if you do have to claim on your insurance, this can dramatically increase the cost of your premiums. Plus, when you make a claim, it’s likely you’ll have to pay an excess.

To help you out, I’m going to outline what the most common home insurance claims are and explain how you can take precautions to reduce the risk of your property getting damaged. Read on to learn more.

Water damage

Water damage, or ‘escape of water’, is typically caused by faulty washing machines and dishwashers, or leaking pipes and radiators. Depending on how long this kind of problem is left to fester, it could cause superficial damage to your furniture and flooring, or cause serious harm to the actual structure of your home. This could result in you requiring serious repairs, which is likely to cost you a lot of time and money.

It’s vital that you maintain all of your pipes and appliances, as well as check for leaks on a regular basis. If you do notice any issues, such as unexplained damp or mould, the sound of dripping water, or puddles near appliances, you should investigate and schedule repairs as soon as possible. This will help to prevent the issue from spreading to other areas of your home, minimising the cost of any repairs.

Additionally, it’s important to remember that frozen pipes are much more susceptible to bursting, so you must ensure that your home is well-heated during the winter. Don’t forget to pay close attention to the water supplies of any outbuildings, loft space, or garages you have, too.

Accidental damage

The term “accidental damage” refers to damage that occurs suddenly as a result of a one-off, unexpected, and non-deliberate external action. For example, if your laptop simply stops working, you won’t be able to claim on your home and contents insurance. But, if your computer gets knocked off your desk and the screen is smashed, you would be eligible to make a claim. If red wine gets spilled on your carpet, or your kids decide to make a felt tip masterpiece out of your sofa, then you might still be covered, depending on your policy.

Of course, accidents happen, and you can’t be prepared for everything. However, there are still some precautions you can take to limit damage done to your home and keep your insurance premium down. For example, leather sofas will typically be more hard-wearing and easier to clean than their fabric counterparts, which is especially helpful when you have pets or kids. It’s also a good idea to invest in shock-resistant cases for your family’s electronics. Conduct a risk assessment in your home to pinpoint what could easily be damaged by accident. Then, take steps to limit these risks.


Nobody wants to come home to find they’ve been burgled — as well as being incredibly upsetting, it can be very expensive to recover from. In fact, last year, the average burglary cost victims £2833, according to Moneyfacts. This takes into account the value of stolen items, as well as how much it costs to fix broken locks, forced doors, and smashed windows.

Fortunately, there are steps you can take to deter burglars, and make it much harder for them to break into your property if they decide to try. If you go away on holiday, consider putting your lights on a timer so it looks like you’re in at night. It’s also a good idea to ask a trusted friend or family member to check on your house a few times while you’re away.

It’s also wise to invest in a security system and burglar alarm that you can activate whenever you leave the house. This will help to give you peace of mind, as well as stop any would-be-burglars in their tracks if they try to enter your home.

Finally, you should ensure that any garages, sheds, and outbuildings you own are also secured. Not only could thieves steal the things you have locked away in these buildings, but they could even use your own tools or ladders to gain entry to your home. So, you should ensure these are especially difficult to access.

Fire damage

A fire could cause a huge amount of damage to your home, and can also pose a threat to the safety of you and your family. So, while fires can be difficult to anticipate due to the fact that they can be started in a whole host of ways, there are some steps you can take to reduce the risk.

Firstly, you should ensure that there are smoke detectors placed around your home so, if a fire starts anywhere in your house, you’ll be alerted as soon as possible. It’s also a good idea to have firefighting equipment, such as a fire extinguisher or blanket, in high-risk areas such as your kitchen.

Additionally, you need to maintain your appliances to prevent them from causing any major issues. For example, you should regularly empty the filter compartment of your tumble dryer, and look to get rid of any white goods once they’re past their best.

You should also be incredibly careful when you have lit candles in your house — especially if you have children or pets that could knock them over. And, they should never be burned near flammable materials.

Weather damage

Properties in the UK must stand up to unpredictable and, at times, extreme weather conditions. Unfortunately, storms, snow, and hail can wreak havoc on your home if you aren’t prepared. As a result, it’s important that you take some precautions to minimise the risk.

When rain and high winds strike, your roof will usually be the most vulnerable part of your home. So, you should check for loose tiles every six months or so, and arrange for any that you find to be replaced as soon as possible. Not only will this help to stop your roof incurring more damage, but it will also help to prevent tiles from flying off and causing more problems for you or your neighbours.

You should also ensure any outdoors items, such as trampolines or garden furniture, are secured to the ground, or locked away when they aren’t in use. If they’re left outside during a storm or on a particularly windy day, they could easily be thrown against your home, which might cause serious structural damage. So, it’s important that you take steps to prevent this from happening.

Now you’re aware of the most popular home insurance claims and how to avoid having to make them, you should have no problem keeping your premium to a minimum. Taking these tips on board will help you to ensure you home is a safe and secure place to live, too. 



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