With sub-zero temperatures and freezing conditions, we're providing a bit of background into winter perils and how to avoid them.
Winter claim spike
Stormy conditions
Our data shows nearly 60% of all storm claims occur December to February. Increased rainfall and higher water levels mean that flooding is also more likely to occur as a result of adverse weather during the winter months. This creates the perfect storm for claims! According to our claims experience, the average cost of a flood claim in December is 88% higher than the average for the rest of the year.
So with that in mind... If you are in an area at risk of flooding, we recommend you visit the Environment Agency website for guidance and updates. Sign up to theMet Office regional weather alerts service.
From water to fire
Fire is another winter peril, with more than a third of all fire claims occurring in the winter months. The reasons are obvious, with increased use of lit candles and open fires making our homes cosier.
- Don't leave candles unattended.
- Never put incorrect fuel in solid fuel or wood-burning stoves.
- Check smoke alarms are working.
- Ensure chimneys are swept and clear of debris - sweeping more than once annually is recommended in homes with fuel stoves and wood burners.
From fire to ice
As temperatures plummet water pipes can freeze, causing extensive damage. Following a few simple steps may help in the prevention of such damage:
- Maintain heating to at least 15 degrees whilst away from the home.
- Leave loft hatches open to allow warm air to circulate.
- Turn off the water supply when leaving the home for an extended period and ask someone to check in on your home from time to time.
Keep claims numbers handy
- Our emergency assistance helpline is open 24 hours a day, 365 days a year and can provide immediate advice on how to cope with a claim and to help assist policyholders.