With the cold of winter comes drops in temperature, unexpected rains, snowfall and even frost. They are atmospheric phenomena that we cannot control, but we can control the effects they have on our home. For this reason, at Aliseda Real Estate we want you to know what your home insurance should and should not include in these cases.
As we mentioned at the beginning, the damages that occur the most in the home, during this time of year, are usually those related to bad weather: from frozen pipes, fires and electrical damage.
The most common home insurance is usually fire insurance, but it is not the only one. You can also find many other policies with different coverages, which will help you protect your new home from all the atmospheric phenomena caused by winter.
According to experts, what insurance should include:
Atmospheric phenomena
Depending on the area in which you live, it is very likely that snowfall, rain or intense wind will threaten your home. Therefore, it is very important that you protect it against this possible damage.
Home insurance, as a general rule, includes coverage for atmospheric phenomena. Although in a limited way, it is the most basic of all. You should consult this with your insurance company.
Fun fact: did you know that wooden houses withstand this type of damage better? Despite what you may think, yes, they do. According to experts, they would withstand an earthquake better than some materials used in current constructions.
Electricity
Electrical damage is more common in winter than in the rest of the seasons of the year. And, because of the cold, we frequently use devices such as radiators and/or heaters.
This is why it is usually recommended to have insurance that covers this type of damage, caused by a rise or fall in voltage or short circuits.
Windows
Another very common damage at this time of year is damage to the window panes of the house. Whether due to the force of the wind or hail.
Now, you know what are the most common possible damages that can occur in the home. But, you have to keep in mind that, as a general rule, standard insurance does not usually cover damage caused by lack of repairs, such as those that are needed in the property for the proper functioning of the facilities. And, not due to the naturally generated wear and tear of the insured assets.
So, in conclusion, at Aliseda Real Estate we give you two very important tips:
- Make sure you cover possible damage to your home with good insurance
- Make sure that repairs to your home's facilities are up to date. Because you know, “prevention is better than cure.”
If you want more infallible tips for your home, don't forget to stop by our blog. We will wait for you!
