No one wants to contemplate damage to their home from a storm, flood or other event. You do need to consider it though, because it?s important to set up a home emergency plan. Such a plan will help you cope with an emergency, especially if you own a high value home. High value home insurance, of course, will reimburse you for any losses, but doesn?t it make sense to try to avoid the emergency in the first place? If this isn?t possible, then you should have a plan in place to help you deal with the situation.
High Value Home Insurance: Emergency Preparedness is Key
A home emergency can take various forms: electrical problems, gas issues, water leaks, frozen pipes and floods are just a few. To protect yourself against the unforeseen, it?s a good idea to take out extra insurance, preferably with a company that has a 24-hour home emergency helpline. In addition, keep a list of important phone numbers and contact information. This will save valuable time when an emergency does occur. For example, a problem with gas (emergency or leak), call the National Gas Emergency Helpline on 0800 111 999. You also should inform your gas supplier. National Gas Emergency will dispatch an engineer to your location. While you?re waiting, open all doors and windows, turn off the gas supply at the meter and leave the home. Never use an open flame, don?t smoke, and don?t use electrical switches during a home gas emergency.
High Value Home Insurance: Take Measures to Prevent and Escape Fire
Fire is perhaps the single greatest threat to your home and its contents. For that reason, you should obtain a high value home insurance quote from several reputable providers. Then, devise an escape plan for all the home?s residents and hold a drill to be sure everyone understands the escape route. Install reliable smoke detectors in strategic places in the home, such as near bedrooms and the kitchen. Smoke detectors also should be placed at the top of staircases. It?s also important to test your smoke detectors every year and replace batteries promptly, if indicated. Some people install fresh batteries in their smoke detectors when they perform the annual check. Consider keeping fire escape ladders in strategic areas of upper floors, so escape is possible if exits on lower floors are inaccessible. Many fires are caused by faulty electrical wiring and sources. It?s a good idea to have your wiring checked annually by a professional electrician. Be sure wood burning fireplace chimneys are cleaned professionally every year, because creosote build-up is a fire hazard as well.
High Value Home Insurance: About Electrical Problems and Power Failures
Problems with your home?s electrical system should be handled by a professional. If there?s a power failure, it pays to be prepared. Have a box ready with candles and torches with plenty of spare batteries. LED torches are becoming popular because they cast such a bright, extensive light. So, you might want to consider upgrading your standard torches to LED models. It?s also a good idea to have a battery operated radio on hand, again, with plenty of spare batteries. A store of non-perishable food supplies, such as canned goods, should be on hand as well. While the power is off, turn off all your appliances and lighting, but leave one light switched on, so you?ll know when power is restored. This is especially important for delicate electronics like computers that may be damaged when the power abruptly turns on. Try not to open the door of your freezer or refrigerator. It?s surprising how long the contents will keep undisturbed. If the power failure lasts for days, you might want to consider discarding the contents of your refrigerator. Thawed items in the freezer, if they?re cold to the touch, can be cooked and eaten. Having bottled water on hand for drinking on hand is imperative.
High Value Home Insurance: About Floods
When a flood occurs, you should assume that all water sources have been compromised. This means you?re going to need to stockpile bottled water. If you live in a location where floods are possible, wash your hands if you come in contact with flood water, and wait for word from local authorities regarding whether tap water is OK to drink and cook with. Never eat food that?s come in contact with flood water. If cooking equipment has been touched by flood water, it must be sterilised first. Never attempt to use electrical devices until they?re deemed safe by an electrician.
High Value Home Insurance: About Frozen or Burst Pipes
If a pipe freezes or bursts, the first thing to do is immediately turn off both the water supply and the stopcock in the cold water tank. For frozen pipes, and to avoid further damage, ensure that anything that?s frozen around the pipe is protected. Then, open the tap closest to the frozen part of the pipe and gently thaw it out using a hot water bottle or a hair dryer.? To deal with a burst or frozen pipe, turn off the main stop tap and drain the system by turning on all your taps. If you notice the ceiling bulging, place a bucket underneath and make a small hole to allow drainage. You also should turn off your heating system. A burst pipe can cause considerable damage to your home. That?s why it?s important to keep your high value house insurance up to date.
High Value Home Insurance: Final Considerations
Be sure your insurance provides cover if you have to seek alternate accommodation while your home is being repaired. In addition, cover for call-outs, parts and labour is good to have. If your roof is damaged, your high value home insurance should cover the cost of repairs. Once you receive an insurance quote for your high value home, read it carefully before buying a policy. Only then you?ll be sure of getting the right cover for your particular circumstances.
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