Although a white Christmas is picture perfect, the snow leads to a flurry of insurance claims – especially burst pipes and cars crashing on icy roads.
Thousands of holiday homes across the country have several inches of snow piled on roofs and in gutters. The worry is that when the thaw begins, water ingress happens and the weight of snow in gutters causes them to collapse.
Does insurance cover snow damage?
For our customers, the good news is that our second home insurance covers loss or damage caused by the weight of snow. However, there are some exclusions – domestic outbuildings etc. see the policy wording.
Our experience is that not all policies offer this cover. Some insurers are covering snow damage under the “storm” provision on a buildings policy. However
Have you noticed the recent change in Google local search results? Google recently launch ‘Place Search’ which shows local businesses more predominantly if Google predicts you’re looking for local information. For example, searching for ‘cottage in ambleside’ will show holiday letting agencies and holiday cottages located in Ambleside that have registered with Google Places. There is a good overview here.
It’s now more important than ever to have a strong Google Places profile – but can holiday rental and vacation rental owners list their properties?
Here is what Google Places quality guidelines states…
Rental properties, such as vacation homes or vacant apartments, are not eligible for a listing on Google Places. Create a listin
There are many different things in life that most people find they may have a strong desire to protect against damages and mishaps like fire and flood. For the most part the things that most people find they have the strongest desire to insure against damage are larger scale investments such as homes and cars. One of the most commonly used kinds of insurance policy is auto insurance. There are many different reasons why car insurance is as wide spread and commonly used as it is but the main reason seems to be the fact that driving a car is statistically the most dangerous form of travel. As a result of the dangers of driving most places have mandates in place that make it illegal to operate a motor vehicle without an insurance policy. There are also many other kinds of insurance that are available to people who may need it. Read more…
Many parts of the UK have experienced the coldest November in history, with temperatures plunging to -18C. After three consecutive years of prolonged snow and frost, it seems that winters in the UK are getting more severe.
Last year, the insurance industry paid out £644 million for water damage that had escaped from burst pipes – and this winter is expected to be even worse. The knock on effect could be rising premiums.
At Schofields we are currently dealing with holiday home owners who have discovered burst pipes at their holiday home. As our policy offer wide burst pipe cover, we expect these claims, after all that’s why many customers choose us over an alternative policy that has heating and unoccupancy terms.
However, many of these claims could have been avoided.
Why do pipes burst? – ou
The cheapness of home insurance quote is not always the best criterion. You need to realize what you want to seek in insurance policies and how to compare insurance rates for ideal coverage. The only opportunity to get the best estimate is to compare as many online home insurance companies and insurance policies as possible.
The easiest way is to use an insurance comparison site on the Internet without any charge. You can find the best awards in insurance industry through a quick search on the Internet or choose some new insurance products that have innovative options.
It is essential to choose the right type of home insurance. Those who live in areas tended to storms, floods or fires must ensure that this type of event is covered. Read more…
08 Dec
Posted by: Ethan Collin in: Home Insurance
For senior homeowners in Connecticut, getting cheap home insurance is difficult enough, but for those who have taken long-term policies in preparation for a comfortable life in nursing homes, the problem has just gotten bigger.
This is because the Insurance Department of the state has recently approved a 39% rise in long term insurance premiums offered by MetLife. Elderly residents who have policies for this type of insurance are facing a yearly payment that is almost double of what they used to pay. According to most of them, this could prove to be impossible to fulfill.
The premiums, which are meant to cover in-home assistance and nursing home care, have reportedly been rising in the past few years, but the recent jump is the highest so far for state holders. Read more…