January 2022

Top 10 Tips to Safeguard Your Property This Winter

January, February and early March have traditionally been the coldest months of the year and as the weather gets colder and we are all reaching for thermal underwear and heavy coats, it would be wrong and potentially expensive to forget that our homes also need to be wrapped up and ready for winter.

Check your home and contents insurance policy

Talk to your adviser today and make sure that you know what you are covered for and whether that cover is adequate for both the house and your valuables.

If you haven’t already, consider adding Home Emergency cover to your home insurance policy in preparation for any household emergencies.

Now, what about the house?

Check your roof

We had some pretty wet and windy weather during 2021 and it can’t have escaped your notice that the weather is becoming more unpredictable. While you can do a visual inspection from ground level, it is advisable to have a professional check your roof for any signs of damage such as missing tiles. At the same time have the chimney stack checked, particularly the flashings to ensure that water is not getting into the roof space.


Gutters can become blocked and if they do, it is easy for trapped water to turn to ice in cold weather and create extra weight which can bring down gutters and in turn cause damage to external brickwork.

Time for a loft inspection

If the last time you were in the loft to put away your summer luggage or the Christmas decorations, take a little time to see if you can see any obvious signs of daylight in the roof, which would tell you that a roof inspection for tile damage is not just an option. Also take a look at your insulation in the roof space. Is it still fit for purpose? Heating bills can be significantly reduced with comprehensive roof space insulation.

Header tanks and pipework

The loft can also contain a water header tank depending on your heating system and will certainly have pipework. Insulation is a must, particularly if the water freezes and adds pressure on the tank itself, which could lead to leaks. Pipework needs to be adequately insulated. Check it anyway, it is easy to miss where insultation has been disturbed while moving items in the loft.


As we enter the winter months, where our need for heat and hot water is going to be at its height, arrange for a boiler service as a priority.

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