Philip Rogers-Coltman, of national insurance brokers Lycetts, is advising householders to beware of problems with their properties which could lead to damage or even health and safety claims.
“Last winter was relatively mild but extremely wet so the law of averages suggests that the next few months will see at least one very cold snap,” said Mr Rogers-Coltman, who heads the Shrewsbury office of Lycetts.
“If we have to endure a freezing winter, homeowners will find themselves heavily at risk and I would highlight two main problems caused by weeks of sub zero temperatures.
“The first is damage caused if downpipes freeze. This means that there is nowhere for water to run so it just sits on the roof and can then seep into the house through the roof space.
“If it then runs through ceilings and into rooms it can cause a great deal of damage and inconvenience.”
Mr Rogers-Coltman suggested that home owners should ensure that their gutters are clear of leaves and other debris, pipes in the roof space are well lagged and the heating on if they are away from the house for any length of time.
He added that there are various systems – such as LeakSafe – that can be fitted to a property which provide protection in the event of a burst pipe.
“These systems shut off the water automatically if a leak is detected in the house and will obviously prevent it cascading through your property,” he explained.
“These systems are easy to install and will often lead to a discount in the insurance premium.
“Trace heating is also something to consider. This is an electrical heating system which prevents the temperature of gutters or pipes falling below a certain level, thus avoiding freezing and subsequent potential problems.”
Mr Rogers-Coltman said that another problem which can be encountered by homeowners is the liability they have to keep visitors safe on slippery paths and driveways.
“I’m afraid that is their responsibility to keep these areas safe and free of ice so that delivery drivers or postal workers do not injure themselves,” he said.
“It is always the best idea to keep these areas well gritted because even if you remove snow, a further freeze can bring more ice to cleared pathways making them particularly hazardous.”
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