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. Propertychecklists.co.uk has joined forces with aspect.co.uk to offer a free checklist on maintaining a home so that you can clearly identify what work your home may require.

Will Davies of aspect.co.uk says

“At aspect.co.uk, 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 Propertychecklists.co.uk 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 Propertychecklists.co.uk, says:

“We are thrilled that aspect.co.uk 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.


Join our mailing list:

Leave a comment



Latest Comments

Christian Donovan
Christian Donovan 18 Aug 2017

The write-down on house values, combined with the fall in the GBP saddled the fund?s property portfolio with a 1.4% loss in the second quarter. The shocking amount of $240 million.

view article
Samantha Goodman
Samantha Goodman 11 Aug 2017

Interesting point of view.

view article
Samantha Goodman
Samantha Goodman 11 Aug 2017

It depends on the people, some older adults decide to make a long-distance move in order to live closer to their children or settle in a place with a lower cost of living.

view article
brandonlee10
brandonlee10 24 Jul 2017

The financial ramifications of the triggering of Article 50, the starting gun for Britain's departure from the EU, are far from clear. Buyers will be most cautious in London, given that buying a home in...

view article
IrisJ.
IrisJ. 19 Jul 2017

Great advice, but may I also add that when buying an already built home, make sure you do all of the proper inspections. Most importantly pest inspection because people tend to get surprised when they

view article
IrisJ.
IrisJ. 17 Jul 2017

The third point is, in my opinion, the most important one. People have become too inconsiderate and careless when it comes to rented properties. If a landlord wants to protect their property, regular visits...

view article
cornishalan
cornishalan 10 Jul 2017

Added to the cost of purchasing these village properties are the above average maintenance costs. Particularly where the property is a listed building or requires specialist building skills such as thatching...

view article
Jo Mullett
Jo Mullett 07 Jul 2017

Here in Swansea, known as the Japanese knotweed capital of the UK, it never fails to amazes me that people have no idea of the potential problems this invasive non-native plant can cause when buying or...

view article
NathanG
NathanG 05 Jul 2017

McDonalds, for example, have been purchasing their real estate on prime locations for years. If something happens to the company they'll have invaluable assets that will be able to save them. We might

view article
Jonah
Jonah 04 Jul 2017

Graham: surprised to see you cite the "extra tax liability" as capping out at ?560. It doesn't - the extra tax is exponential, as it is levied on the income (i.e the inflating level of rental income you...

view article
Dianne Griffen
Dianne Griffen 29 Jun 2017

Be very wary of anyone bringing you deals that they have ?found? and want to ?sell on to you? or ?joint venture? with you on ? you need a proper legal contract for this, involve a RICs surveyor to confirm...

view article
jason hadzikostas
jason hadzikostas 28 Jun 2017

The most important thing is a budget. Students have to manage their spendings in food, house maintenance, books and many other things. According to me, student Studios are the perfect option for them as...

view article

Related stories

More articles from Finance