Avoid making a claim this winter

In 2024, insurers paid out £585m in insurance claims for weather-related damage. Here’s how to prepare your home for winter so you can minimise your chances of making a claim.

In the colder months, there are many reasons why you might need to make a claim on your home insurance policy. While you can’t completely stop damage from happening, there are precautionary measures you can take to reduce the risk.

Common claims in winter

Water pipes can freeze over, resulting in water leaks or burst pipes. Make sure to get your boiler serviced annually and cover exposed pipes so they stay insulated. It’s important your house doesn’t get too cold, especially if you’re going away - if you have a smart thermostat, the anti-frost setting can help with this.

Winter storms are becoming increasingly common due to climate change. Remember to secure your garden furniture and fences so they don’t blow away. Clear your gutters, check for any loose roof tiles and trim any trees and branches.

You may think that fire is less of a hazard when it’s cold. But heaters, candles and Christmas lights could all pose a risk if left unattended. Ensure that any electrical items are turned off overnight and test your smoke alarm regularly.

As with all insurance policies, conditions and exclusions will apply

Sources:

https://www.tescoinsurance.com/home-insurance/guides/prepare-your-home-for-winter/#:~:text=Follow%20our%20winter%20preparedness%20checklist%20for%20the%20home,of%20water%E2%80%99%2C%20like%20burst%20pipes%20or%20boiler%20leaks.

https://www.abi.org.uk/news/news-articles/2025/2/more-action-needed-to-protect-properties-as-adverse-weather-takes-record-toll-on-insurance-claims-in-2024/