Posts Tagged ‘Against’

Home Security – Preventive Measures Against Burglaries

Wednesday, April 28th, 2010

Theft of valuables from home due to carelessness is very common. Never take home security for granted. If you make an effort to be secure, you will be protecting your family and your valuables much better.
Tips To Prevent Burglaries
Securing doors and windows is extremely important. Many burglaries occur as vandals had easy access to the garage door where they worked unnoticed to gain entry into the house. Never leave your house, even for just a few minutes, without locking all doors and windows. Use dead bolts to improve home security. A pet entrance is not advisable. Have wide angled viewer installed in the main door to check who is at the door.
Do not leave an extra pair of keys hidden outside your house; instead, leave them with a neighbor or friend.
Make sure all doors and windows, which are not within your view, are locked when you are at home.
Fuse boxes and power sources have to be secured, to make it impossible for criminals to tamper with them.
Have a good burglar alarm installed.
Make sure you periodically check all home security systems and have them serviced regularly.
Keep your garden trimmed ensuring an unobstructed view of your house from the road or your neighbors.
If you have to deal with windows accessible from the fire escape be sure to check that the windows are hardy, tamper proof, and secure.
Never leave a message in your answering machine, indicating you are away.
Do not have predictable habits change your routine often.
Get your self a sturdy safe to lock up all valuables and important documents.
Keep your home insurance up to date.
Change all locks if you just moved into the house.
Get a good private home security monitoring system to enhance home security.
Do not leave ladders and other tools lying that can be used by vandals to gain entry into your home.
Join a neighborhood watch program.
Trim and maintain your garden, trees should not be used by criminals to gain entry into the upper floors of your home. Be sure that the branches are cut securing your home.
In the event you lose a key, change the tumblers of all locks.
It will be a great deterrent if you had a guard dog.
Make sure your house number is lit and clearly visible to facilitate people who need to get to your home in hurry find your home easily.
Secure skylights and roof taking precaution to prevent unauthorized entry through them.
If the above-mentioned basic home security measures are carefully followed, securing your home and sleeping peacefully will not be an issue any longer.

Protect Against DIY Disasters

Wednesday, April 7th, 2010

According to a survey of 2,000 households carried out by Allianz Insurance, 16% have damaged their homers or their property while attempting to make improvements. 20% also admitted to injuring either themselves, or someone else, while carrying out DIY. This is supported by figures from the Society for the Prevention of Accidents, which estimate 200,000 DIY enthusiasts turn up at hospital each year. Interestingly the survey revealed householders in the north east of England have the most DIY disasters, while people in the south east are least likely to have a mishap.

One of the main problems, according to Halifax Home Insurance, is that many people don’t know what they are doing. Research conducted by the company found that two thirds of men admit they only do DIY due to pressure from their partners or a sense of duty. Contrary to popular belief, men are not natural ‘DIYers’. Despite this many may be planning to attempt ambitious and potentially dangerous home improvement projects this Easter involving building, gas or electrical works. Halifax figures show that over a quarter of men have attempted electrical wiring at home, while almost a quarter of men have attempted to fit an entire new kitchen.

Without the proper qualifications or experience these people risk invalidating their home insurance policies if things go wrong. “TV home makeover shows make it all appear so simple, and it’s easy to forget that these are highly skilled professionals. In reality, trying to tackle certain areas you are not qualified for, such as electrics or plumbing, could invalidate your home insurance policy, leaving you liable for any subsequent damage. We’d recommend using a reputable tradesman rather than going it alone,” explains Halifax Senior Claims Manager Martyn Foulds.

Allianz Insurance figures reveal that 55% of those surveyed claimed to have started a DIY job without the correct tools and almost 50% said they had started a DIY job without really knowing how to do it.

“Thankfully people can add accidental damage cover to their buildings and contents insurance to cover them for paint spilt on carpets or hammering a nail into a pipe,” says Simon Coughlin, spokesperson for Allianz Insurance.

Accidental breakage to some parts of the home such as sinks, baths, ceramic hobs and fixed glass in doors is included in most buildings insurance policies. However householders many need additional accidental damage cover to protect against common DIY disasters, such as drilling through water pipes, spilling paint on carpets or putting feet through ceilings.

So before you get bitten by the DIY bug this weekend make sure your policy covers all eventualities, otherwise it could prove to be a very expensive weekend. “We suggest DIY enthusiasts should check to see if their insurance policy covers them for accidental damage in case the job goes horribly wrong,” says Simon Coughlin. “The average cost of a claim for DIY related damage is £600 and our claims staff expect to be busier than usual following a Bank Holiday weekend.” And, if in doubt, get an expert in to do the job!