You are feeling secure through the winter season because you know your property is insured and your won't have any issues should anything go wrong during a heavy rain down pour.
This is a fantastic idea to keep you in your comfort zone but here are some wise words of warning.
Get out of your comfort zone or replying fully on your insurance to sort out anything that might go wrong and do a full inspection on your home.
It is not the insurance brokers responsibility to look after your home.
They are just there to help you when things go wrong.
It is your job to prevent those things from going wrong in the first place.
WHY, I hear you asking, is this the way it is? Well let's talk a little bit about car insurance because it is a common topic and most people understand the ins and outs of it better than home insurance.
If your tyres on your car are smooth and you drive into the back of someone because when you hit the breaks your tyres had no grip left at all - do you think your insurance is going to pay out? No, they can't.
Because it is up to you (check the fine print) to make sure that your car is road worthy and smooth tyres are not road worthy.
Therefore it is your responsibility to keep your car in safe driving conditions, not your insurance companies responsibility.
No lets go back to your house.
If a giant hole suddenly appears in your ceiling allowing rain water to swoosh down all over your carpet and your computers...
the insurance company is going to come around and asses just HOW that damage came about.
If they find something that indicates that you were not looking after your house and keeping it up to a certain standard (ie fixing the small hole in the roof to ensure a bigger hole doesn't come about) then they are not going to pay you out.
Insurance is not a preventative - it is a security when your own preventive measures don't work out.
So yes, your insurance does provide a level of comfort for you, knowing that your precious belongings are covered in the event of something going wrong- but you need to do your part too and make sure that your home, your belongings, are in a good condition at all times.
It is up to you to avoid the accidents if possible.
This is a fantastic idea to keep you in your comfort zone but here are some wise words of warning.
Get out of your comfort zone or replying fully on your insurance to sort out anything that might go wrong and do a full inspection on your home.
It is not the insurance brokers responsibility to look after your home.
They are just there to help you when things go wrong.
It is your job to prevent those things from going wrong in the first place.
WHY, I hear you asking, is this the way it is? Well let's talk a little bit about car insurance because it is a common topic and most people understand the ins and outs of it better than home insurance.
If your tyres on your car are smooth and you drive into the back of someone because when you hit the breaks your tyres had no grip left at all - do you think your insurance is going to pay out? No, they can't.
Because it is up to you (check the fine print) to make sure that your car is road worthy and smooth tyres are not road worthy.
Therefore it is your responsibility to keep your car in safe driving conditions, not your insurance companies responsibility.
No lets go back to your house.
If a giant hole suddenly appears in your ceiling allowing rain water to swoosh down all over your carpet and your computers...
the insurance company is going to come around and asses just HOW that damage came about.
If they find something that indicates that you were not looking after your house and keeping it up to a certain standard (ie fixing the small hole in the roof to ensure a bigger hole doesn't come about) then they are not going to pay you out.
Insurance is not a preventative - it is a security when your own preventive measures don't work out.
So yes, your insurance does provide a level of comfort for you, knowing that your precious belongings are covered in the event of something going wrong- but you need to do your part too and make sure that your home, your belongings, are in a good condition at all times.
It is up to you to avoid the accidents if possible.
Source...