Lack of maintenance may mean your insurance is invalid

Lack of maintenance may mean your insurance is invalid

Now is a good time to check your property's condition indoors and out to make sure it's in good order, and that you don't end up with any unforeseen costs, or worse still, problems which insurers won't pay out on due to lack of maintenance.

Not everyone is adept at DIY, and some jobs, by law, need a qualified professional. has joined forces with to offer a free checklist on maintaining a home so that you can clearly identify what work your home may require.

Will Davies of says

“At, we know there are cowboys and rogues out there that will suggest jobs which don't need doing, and overcharge for jobs which do. We've worked with to make sure homeowners and landlords can seek independent help to quickly work out what work is required.”

Kate Faulkner, who runs the independent property advice site, says:

“We are thrilled that is supporting our 'maintaining a home' checklist. Many homeowners don't realise that not maintaining their property properly can give insurance companies a reason for not paying out for disasters which could have been avoided. Once or twice a year, I check my properties to make sure there aren't any problems which could lead to damp, leaks, chimney fires or more serious consequences, such as carbon monoxide poisoning. Using our checklist means you can, in just 15 minutes, check your property from top to bottom.”

Top five maintenance checks to make on a property

Watch out for water! --- Water left on wood causes rotting which can be difficult to repair. Also keep an eye on your ventilation. High humidity causes mould and mould produces spores which lead to respiratory problems and ill health.

Bleeding your radiators --- if the top of your radiators feels a bit cold then there's a strong chance there's air in the system.  Bleeding your radiators is something you can do yourself or if you want to completely sort out your radiators you can have them power flushed by an engineer.

Keep an eye on your gas boiler pressure --- if it's frequently losing pressure get a qualified Gas Safe engineer to take a look.

Keep spare fuses --- if a portable appliance stops working it may be a blown fuse. You can replace these yourself with a small screwdriver. If there's something very wrong with your fusebox then get a registered NAPIT or NICEIC electrician out.

Check your gutters --- There was  a big uplift in leaking roofs after the storms this year. Sometimes the problem can be gutters filled with leaves and other rubbish that overflow with rain water.

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daniel black
daniel black 25 Oct 2016

I've been keeping a close eye on what the effect of Brexit has been on the rental market and it's a very mixed bag. Whilst the majority of the news focuses on London's market. I think this time next year...

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Northerner 20 Oct 2016

Any views from outside the M25? No wonder politicians can't get the housing big picture when everyone seems to think that London is the yard stick, when it absolutely is not.

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Sean Lees
Sean Lees 13 Oct 2016

I think that the pest control really depends on the situation. If the tenant moved in and found an infestation that needs pest treatment service, I think it's more reasonable that the landlord should pay...

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Please Sian Berry Dan Wilson Craw LANDLORDS DO NOT WANT TO RAISE RENTS They are being forced to because of Section 24! An unfair, punitive tax hike that will be a disaster Green Party, Generstion...

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Fletcher88 11 Oct 2016

Absolutely agree! Moreover property prices edged up with 0.7% this month as the market recovered from the initial Brexit hit

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Gary Das 06 Oct 2016

A lot of lenders (especially the high-street banks and lenders people approach first) could do more to accommodate for the self-employed. It can really be a struggle, as I found out myself last year when...

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luxus 27 Sep 2016

It can be stressful. More clarity is needed on the process, from a customer perspective and consideration should be given to using the Scandinavian model where the sales process is much quicker.

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Green belts are normally designated around capitals and other major cities and conurbations and their aim is to prevent urban sprawl by keeping land permanently open. The essential characteristics of green...

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