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We can trace the need to convert houses (including other buildings, not originally designed to be used as domestic dwelling homes) in to flats, back at least 150 years and possibly even further back to the time of the industrial revolution, which occurred in Great Britain during the late eighteenth and early nineteenth century....

Woodworm Dry Rot

Woodworm, Dry Rot and Wet Rot. One of the most costly maintenance problems for homeowners is woodworm, dry rot and wet rot. If left untreated it can huge amounts of damage to the interior of your home. There are treatments and remedies to prevent it’s spread and to eliminate the problem it becomes critical. Woodworm is most commonly caused by the furniture beetle which leave larvae boreholes inside the major woodwork elements of a property. These area include the roof timbers, joists, staircase and floorboards. Woodworm can also infest ordinary household furniture causing a home insurance claim problem....

When Kids Leave

When Kids Leave Home and Go to University. When children leave home, either on a permanent or semi permanent basis, some attention needs to applied to your home insurance policy. One of the first reasons, children leave home is to attend college or university, in the first year, many opt to live in the halls of residence or some will move in to a rental property with perhaps some friends. Which ever, they choose; you will need to make sure that you have adequate insurance for them. Although there are some specialist student insurers, in some cases it is possible to extend a buildings and contents home insurance policy to include children’s belongings whilst they are away at college or university. If you decide to take this option, you will need to check the level of cover on offer, the amount provided may be on the low side as possibly could be single article limit. It will be no good accepting a policy with a single article limit of £500 if you child has a £1000 laptop....

What is Building And Home Insurance

It sounds like a rhetorical question, but what exactly is a building and home insurance quote and how does it work? If you are shopping around for a quote for home insurance, companies that offer you cover will be subject to strict regulatory compliance designed to protect UK homeowners. As a home owner you will be affected by these procedures, processes and rules; which cover all aspects of insurance (from quote request, through to sale and annual policy renewal)....

UK Home Insurance Companies

In almost all cases, the main object of shopping around for a revised home insurance quotation is to save money. Hardly anyone, shops around for “better cover” although of course, this should also be a consideration when comparing prices from different insurers. One of the main problems facing the consumer is the fact that home insurance in the United Kingdom is a very easily sourced product from an almost endless variety of UK insurance companies. The sheer depth of providers coupled with the incessant advertising employed by some companies can end up leaving the consumer at a loss as to where to actually turn, to cover their personal possessions, how on earth can you locate the cheapest premium from a wide range of providers without spending all day calling around to obtain quotes?...

Types Door Window Locks

Types of Door and Window Locks – when purchasing a home insurance policy, you may find that your insurance company want you to have certain security measures in force at your property. These should be studied most carefully as without the correct protection being in force, you may find your cover compromised in the event of a claim. For most people, this involves having good quality door and window locks. Good physical security at your property, will be of a far greater benefit in deterring Theft than having an alarm fitted, but not being a lock expert, have do you discover if you have the correct locks fitted at your home?...

Switching Energy Suppliers

As more and more homeowners look for ways to cut their monthly household bills, switching energy and utility suppliers has become an easy target to save money. Many families have suffered from the global rise in oil and gas affecting domestic utility bills over the past three years. However, in 2009 the oil price has dramatically fallen compared to the last three or four years. This has happened as a result of the decrease in global demand for energy as the global recession bites into business and industry. For home owners who are quite comfortable with switching insurance companies every year to get the best deal, switching utility suppliers can be an even simpler administrative process. The deregulation of the energy and utility sector as created comparison websites which make it easier to compare providers....

Subsidence Structural Problems

Preventing or Dealing with Subsidence and Structural Problems.Whilst subsidence is usually covered by a building insurance policy, it is definitely something that you do not want to happen at your property if at all possible. Claims for subsidence can be on the large side ( hence the reason for the standard policy excess being £1000) and even if the building is repaired by the insurance company, you may find that’s in the future, insurance is harder to source ( and possibly more expensive) and the market value of the property and it’s marketability may also diminish...

Small Print Policy

All insurance policies of what ever description will contain terms and conditions, which some people like to refer to as small print. (Literally small printing containing terms & conditions that is difficult to read). In recent years most insurance companies have tried to move away from being associated with this type of document and great efforts have been made to make sure policy documents are written in plain English with full details of any onerous terms & conditions supplied before your commit to buying a policy. The Financial Services Authority, when deciding to regulate the insurance industry came up with a list of rules governing the sale of insurance. One of this rules stated that all potential customers were to be provided with a “Keyfacts” document which would provide key information relating to the contract of insurance on offer....

Sell Your Home

The following article looks at the commercial process, the advertising process, the legal process and logistical process of selling your flat or home in the United Kingdom. Question whether you actually need to sell your home in the first place? In a difficult buyers market, many home sellers have opted to let out their home to tenants as a buy to let property. This is because recent flats and house price falls and a lack of mortgage availability have scared off homebuyers. Some sellers are choosing to hang on to their home for a number of years until house prices recover onto an upward trend. In particular, many buyers who bought during the later part of the property boom years, using very large mortgages, are now finding themselves in negative equity. However, if you have to sell your home out of necessity, (due to a change of job, divorce, debt problem, or other personal issue), then you have a number of options available…...

Security and Insurance

One of the ways you may be able to obtain a cheaper home insurance quote is by having an alarm fitted at your property. Depending on your circumstances, an insurance company may be willing to provide you with a discount. However, some homes will not qualify for a discount for underwriting reasons, the sum insured may be too low or having an alarm fitted may be a pre requisite of cover because the value of the contents or valuables contained within the home is above certain limits....

Roofing Loft Insulation

Installing proper roof installation will cut down on heating bills and protect pipes in lofts areas connected to expensive plumbing systems, during the cold weather. The cost of installing loft insulation will eventually be recouped through the savings made on electricity and gas bills heating the house. Heat loss lost through the roof accounts for about a quarter of the total amount of heat that escapes from most normal properties in the UK. Yet for a modest outlay this can be dramatically reduced. Likewise the cost of home insurance claims related to leaking water coming from the roof and through ceilings (as a result of frozen pipes in the loft) is considerable. The loft or attic area of a property is the coldest area of the house and in winter time pipes become become frozen in extremely cold temperatures. Therefore lagging the pipes to prevent pipes from the freezing up and bursting is essential....

Repairing Roofs

Typically pitched roof houses are made up of traditional slates, concrete tiles or clay tiles. At the building ages tiles can become loose and water seeps into the property causing damp, wood rot and other water damage which can be costly to repair. For pitched roofs the most common cause of problems occur when the nails rust away that were holding the slates in place. There may be absolutely nothing wrong with the slate itself but as the nails rust the slate slips out of place or even falls away and breaks....

Repair Roofing Guttering

It essential to undertake regular maintenance on gutters and down pipes in your home to remove blockages so that rainwater does not flow down the side of your walls causing possible penetrating damp into the interior of the property. Gutters and down pipes will continually collect leaves, dirt and birds nests and other loose debris throughout the year. This has to be cleared away to ensure the free flying movement of rainwater into your homes drainage system. It’s a simple job and one in which can be achieved through everyday domestic tools and a ladder. It is also one of those jobs that is tempting to put off for a different day for those who are sometimes lazy or don’t have enough time for DIY. However insurance companies are generally unlikely to pay out for home insurance claims as a result of damage caused by damp from leaking gutters and down pipes. So regular maintenance of this area of your property is entirely in your own financial interest....

Renting Out Room

Many people have considered renting out a room in their home on an ad hoc basis, often this situation arrives when children have moved out and parents find themselves with a large property, that perhaps they do not wish or cannot sell. Renting out a room by taking in a lodger has many benefits, for one thing you are helping to provide someone with a home, it can help pay the bills and can help provide company as well. Before embarking on renting a room, it is probably best to check with your home insurance company, to make sure that your policy will still cover you. Some insurance companies will not be happy about you taking in paying guests and you may find that you have to find an alternative home insurance provider. If your insurance company do agree, check the terms and conditions they are offering carefully, your policy may be endorsed with some exclusions and you have to clearly understand what these are. Also you will need to consider who will be insuring any personal belongings on the lodger, check with your own insurance company, they may well exclude these items....

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