So you think you’re insured (part 2)

So you’ve finished your walk round and drawn up a maintenance plan. Job done – time for a brew. What? Not finished?  Now you must do the same, but internally.

What should you look for?  The two places we don’t generally look at: up at

maintenance, property, insurance

Well maintained?

the ceiling and down at the floor. Are there any cracks in the ceiling, or water stains from an old escape of water that was repaired but decorating has not taken place? These are indicators of a house that is not well maintained.

If your floors are solid, usually concrete, the floor can move causing the floor covering to lift or, if it has ceramic tiles, the grouting or tiles might crack.  Alternatively the floors could be timber with a hollow void underneath – did you check on your external walk round that the air vents were clear? Timber floors will move, this often shows itself by creaking or perhaps if the timbers have been wet for a while they might have gone soft and the floor deflects when you walk on it.  Are the skirting boards nicely glossed or do they have signs of rot and water ingress?  Don’t give the claims assessor reason to think your property is not well maintained.

Most walls are usually plastered or papered and damp can easily show itself by causing discolouring of the plaster or wallpaper. Find out why it’s damp – it could be you have a very small hole in a pipe. If you don’t get it fixed straight away the insurance company might not pay out because you’ve allowed the damage to get worse.  Keep the pipe for evidence.

What about your loft space? Is it well insulated and are the water pipes insulated? If not you could have a lot of damage from a burst pipe and no cover.

Is the house well maintained?  You did say yes when you took out the insurance. When the claims assessor arrives will he agree?

If you missed part 1, you can read it here

Home Inspection Services, in Rossendale, provide independent property advice, offering EPCs, surveys, inventories, floor plans, and property marketing.

One Response to So you think you’re insured (part 2)
  1. […] You can read the follow-on blog here. […]

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