Maintain your Building
The vast majority of claims are actually turned down due to a lack of property maintenance – for example, this is particularly true with flat roof claims.
Make sure your roof is inspected every few years (or as the policy requires) and keep proof of such an inspection.
This can be the difference between your claim being paid and not!
There are however practical steps which you can take to try to reduce the likelihood of a claim and this will normally be viewed favourably by insurance providers.
Make sure you have suitable fire detection, CCTV and physical security at your block as this will help to reduce the likelihood of fire, burglary or theft.
Good building maintenance and monitoring can help to reduce the potential for weather-related damage, malicious damage in common areas or claims for accidents as a result of poor maintenance or negligence.
Rather than just renew your insurance, take the time to think about what cover you need and also consider what steps you can take to reduce your risk by reviewing your current maintenance and security regimes.
TOP TIP – Keep your Fire Safety Procedures in Flats up to date. This can often get you discounts. Take a look at our special Fire Safety Guide which may help in lowering your insurance premium! Not to mention keeping the tenants and the building safer.