Insurance claims spike in winter: Protecting your rental
Winter Property Risks: Protecting Your Investment Winter brings frost, storms, and occasional chaos, and unfortunately, that means insurance claims often spike.
Understanding the risks and how to protect your property is key to keeping your tenants safe and your wallet intact.
Common Winter Claims
Burst pipes, heating failures, and storm damage are the usual culprits. Slip-and-fall incidents and minor water damage can escalate quickly if not addressed. Knowing what to watch for helps you act before a small problem becomes a major claim.
Policy Exclusions
Not all insurance policies cover everything. Check your coverage carefully for exclusions such as neglected maintenance or tenant negligence. Understanding your policy’s limits means there are no nasty surprises if you need to claim.
Preventive Measures
A little preparation goes a long way. Insulate pipes, service boilers, clear gutters, and check for roof leaks. Regular inspections can prevent many winter-related problems before they start.
Liability Issues
If a tenant or visitor is injured, landlords could be held liable. Document your inspections, respond promptly to repair requests, and maintain open communication with tenants to reduce risk.
Want peace of mind this winter? Speak to us today for guidance on
protecting your rental property.
This article was originally published by BriefYourMarket and is reproduced here with their permission.
For more company news and insights from Pygott & Crone, click here
Latest news
Understanding rent reviews and increases
The Renters' Rights Act 2025 introduced a clear and structured framework for rent increases in England's private rented sector that every tenant should understand.
Mortgage rates and refinancing decisions
Mortgage rates continue to be one of the biggest considerations for homeowners, buyers and landlords planning their next move.
Price your home right: The foundation of success
Every detail in a property sale—from photography and listing descriptions to viewings and negotiations—operates within the framework created by the asking price.
First-time buyer essentials: What you need to know
First-time buyers accounted for approximately 36% of all mortgaged property purchases in the UK in 2025, making them the largest single group of buyers in the market.
