Well it has been beyond wet hasn’t it? On Valentine’s Day there was no whispering sweet nothings in our house – we had to shout to be heard above the howling wind and torrential downpour and sat fearfully in our home wondering if the chimney was going to collapse or a tree get blown through the window or that our village pond would burst it’s banks and flood us!
We’ve been quite lucky. We’ve had a few issues. Our chimney has either leaked or so much water has rained down it that our airing cupboard which sits adjacent to the chimney smells a bit musty. And our gazebo lovingly built by hubby for my 40th birthday now seems to have acquired a sunroof but that’s the worst of it.
Some people have not been so lucky – you would have to have been living in a cave not to have seen the devastating pictures of flooded towns, villages, farms, roads….Add to that the wind damage which has caused fences to be ripped up, walls to collapse and trees to fall it feels like it’s been a catastrophic winter.
I’m sure the insurance companies will be very busy for the next few months. I’m glad I renewed my insurance at the beginning of the winter because it was a comfort to me to know that the house and its contents were fully covered at up to date prices. Have you looked at your policy recently? Would the sum insured for a re-build really cover a rebuild? You don’t want to find out it doesn’t after the tree has smashed through your roof!
In years gone by you had to take the insurance you got with your mortgage and many people don’t realise this isn’t the case any more. The insurance premium still comes out with the mortgage payment and you may find you aren’t getting the best price or the best cover. It might be time to ring around or go online and find out if you can get a better deal.
For instance did you know many insurance companies now offer to pay for rented accommodation for you to stay inif your home is so badly damaged it is uninhabitable? And did you know that some top letting agencies offer short term or flexible lets for just such an occasion?
So you can camp in a soulless hotel or you can have a home from home while the builders make your own home safe and secure again – anything from a week to a year or more – though I hope none affected by this winter’s weather is out of their home for that long!
In furnished accommodation you can just move right in and many places even offer WiFi so you can sort out your repairs and shop for replacement furniture online if need be.h I do hope no-one has to move out for that long following this dreadful winter!
What are you waiting for – drag out your insurance policy and have a close read – and if your house is already damaged make sure you check to see if you are eligible for temporary accommodation. You’re not? Still worth getting in touch with a letting agency like Lets Unlimited to see how much it would cost to move into one of their properties while the builders get to work on your home.