Home emergency cover offers protection against pets, electrical breakdown emergencies and even plumbing and drainage. As you may have guessed by now, home emergency cover is an excellent way to have a peace of mind knowing your home is safe from most, if not, all troubles at home. That being said, is this peace of mind worth the monthly/yearly prices put on home emergency cover plans? We are here to tell you about the intricacies of home emergency cover and weather it’s worth the price.
If an incident occurs in the home and you’re in dire straits, you’ll usually need it sorted sharpish. This is where home emergency cover could really save the day.
If you have home emergency cover in place, you’ll be given a number to call if something goes wrong and you need it fixed straight away. Your insurer should send one of their appointed tradespeople out to your home to help fix the situation. It’s important to remember that using someone you know generally won’t be covered because they’ve not been approved by the insurer. Home emergency cover is one of the most common home insurance extras you can add to your policy. But some insurers also offer it as part of the standard policy.
Home emergency cover typically covers events such as your boiler breaking down, blocked drains or electrical failure. An engineer or electrician will visit, and their work will be paid for by the insurer. It’s different from a standard home insurance policy which only covers damage to your home and belongings. As well as paying for repairs, some policies will also provide for alternative accommodation if an emergency means your home is uninhabitable for a period of time. Each policy also sets out how quickly the insurer will respond to an emergency. Most have a 24-hour helpline, but this doesn’t necessarily mean tradesmen will attend your home around the clock.
Before spending a large amount of your time looking for the perfect deal on the perfect home emergency cover plan, you might want to check if your current home insurance policy covers emergency situations. Some homeowners may have home emergencies included as part of their home insurance policy or allow you to add extras based on the cover you need. However, even so, it may still be worth researching other standalone home emergency cover plans as you may find yourself with a better deal.
Most home emergency cover plans will provide you with cover for a variety of different faults that can occur inside the home. This is usually presented as a tier list, with the higher tier packages containing more cover. Here is what is usually mentioned with a tier list:
Home Emergency plans usually include plumbing and drainage as part of their initial or basic tier. This includes blocked or burst pipes, toilets (if broken and you haven’t got another in the property), showers (If a serious leak occurs) and stopcocks (if it’s within the property).
You will be covered if you suffer an electrical failure that means your home is uninhabitable. This could include the wiring to your lighting or boilers failing, or if the permanent electrical supply to your home fails. Most policies will not cover any wiring outside your home, or any temporary electrical wiring.
You can call on emergency assistance if the security of your home is compromised, such as a broken window or broken locks to the property. Some home emergency cover providers may assist you in gaining access to your property when you have lost of misplaced your keys.
Most providers will pay for an exterminator to visit the affected property in the event of a:
You should make sure to read the cover documentations before the purchase of a plan as not all home emergency cover plans will accommodate for pet infestations.
As we all know by now, Home emergency cover is quite possibly the most important aspect of owning a home. That being said, finding one that correctly suits your needs is a particularly difficult task as there are so many different providers of home emergency cover and insurance. After checking if your current insurance policy allows the addition of home emergency an important factor to consider s what each cover plan offer as part of their tier list.
Here at 24|7 Home Rescue we offer a Home emergency cover plan starting from only £4 per month, as opposed to the £13 most other providers quote. This will get you more than the average level of cover for less than the average price.
Held annually on November 5th, Guy Fawkes Night is one of the most awaited holidays of the year. Commonly known as Bonfire Night or as Fireworks Night, it is a holiday which is celebrated in Britain and in several countries that were once part of the British Empire. It commemorates the foiled Gunpowder Plot of 1605 in which a group of Catholics failed to assassinate the Protestant King James I. They wanted to replace him with a Catholic head of state. On November 5th, 1605, Guy Fawkes was arrested when he was caught guarding 36 barrels of explosives placed beneath the House of Lords.
Days following his arrest, many conspirators including Fawkes were arrested and then hanged, drawn and quartered. The following year, the Observance of 5th November Act 1605 was passed to commemorate the event. It is celebrated till today with parades, fireworks, and straw effigies of Guy Fawkes and other political figures which are tossed into the communal bonfire.
Although, public parks provide great entertainment, they aren’t everyone’s cup of tea. Many prefer to host an event in the comfort of their backyard. A private event will give you the liberty to serve food of your choice, play your favorite tunes, and host a variety of activities. While, a get together with friends and family is always fun, starting a bonfire and setting off fireworks can be quite dangerous. Last year, 4436 individuals attended the emergency room because of injuries sustained during Guy Fawkes Night.
The British Association of Plastic, Reconstructive and Aesthetic Surgeons (BAPRAS) is currently calling on the Government to make a legislature mandating all firework packaging include graphic warnings like the ones which appear on cigarette boxes. They are hopeful people will take caution when hosting a fireworks display.
Set Off Fireworks:
Start a Bonfire:
Dependency on heating has risen tenfold since autumn has begun. Temperatures will dip further in the coming months. We will be greeted by chilly winds and snowstorms which will force many to stay indoors. Our security blanket against the harsh weather is none other than a gas operable boiler. Manufacturers of national boiler brands promise warmth and comfort. In most circumstances, they deliver on their promise but in some instances, boilers pose as a threat to the well-being and lives of all living at home. Boilers that emit carbon monoxide need to be capped off immediately as they are a source of danger.
Carbon monoxide is a byproduct of gas boilers and is usually released outdoors through a flue. The deadly gas will equalize in our home under two circumstances: either the flue is blocked, or our boiler is defective. Carbon monoxide will release if there are cracks in the combustion chamber, leak in the seams or cracks in the exhaust piping. Its symptoms include nausea, blurred vision, loss of consciousness and breathlessness. Don’t make the mistake of dismissing these symptoms as a case of the flu. It is far more lethal!
Its pseudonym ‘silent killer’ is eerily befitting. The Department of Health reports carbon monoxide poisoning accounts for 4000 medical visits and up to 50 deaths annually. As exposure to carbon monoxide increases, its symptoms go from bad to worse. Breathing in high levels of the deadly gas can cause seizures, a feeling that your environment is spinning, loss of physical co-ordination and Parkinsonism. It is a degenerative neurological condition that is characterized by stiffness, impaired speech and slow movement.
Carbon monoxide detectors come dime a dozen. Choose wisely after researching the pros and cons of each type. You can find alarms that are plugged into an outlet and those that are wired into a wall by an electrician. Battery-operated alarms are commonly used.
Install a carbon monoxide alarm in every room that contains a fuel-burning appliance such as a gas boiler or a hob. The alarm should be at least 3 meters away from the appliance. You should also install an alarm in any room which has a flu.
If you wish to install it on a wall, make sure that it is at least 15 centimeters away from the ceiling. You can also install the alarm on the ceiling, but it should be at least 30 CM away from the light source and walls.
The best place to install an alarm is your bedroom and the rooms in which you spend the most amount of time in. If you live in a multi-level home, you should install an interconnected carbon monoxide detector on every floor. All units will sound off even if one device detects the deadly gas.
Care should be taken to not install a detector behind drapery, furniture or in enclosed spaces such as a cupboard. This will prevent the device from effectively detecting the silent killer. Additionally, do not place the alarm next to a window, vent or a door or in a damp area like a bathroom.
The step by step installation of battery-operable alarms differ from manufacturer to manufacturer. It is therefore very important to read the manual which came with the packaging before you begin installation.
Use the template that comes with the instruction manual and place it against the wall. Mark installation holes with a pencil. Next, use a screwdriver to make holes on the marked spots. Place the wall plugs into the holes by tapping them into position.
Place the screws into the anchors and then screw them in tightly. Afterwards, fit the carbon monoxide detector into position.
Insert the batteries into the device. Next, test the alarm by holding down the ‘Test’ button until you hear it beeping. The alarm will sound for 3 to 5 seconds before turning off automatically.
Make it a habit to test the alarm every month by pressing the test button until the alarm sounds off. This will ensure the alarm circuitry is functional. You should also test the sensor of the unit occasionally by using a canned CO detector test spray. It is a non-flammable aerosol. Press the spray nozzle for at least 3 seconds. Your alarm should sound off within minutes.21/10/2019
Wearing layers of clothes will help keep you warm during winter, but you will need to take several preventative measures to winterize your home. By taking precaution, you will not only lower your energy bills but in most cases, you will save yourself the hassle of calling a professional to weatherproof your home. The perils of not paying heed are several. If the temperature in your home falls below 16°C, the chances of falling gravely ill skyrocket. The elderly, children and those with disabilities are at the highest risk. Those with respiratory illness and high blood pressure can also develop complications such as heart attacks and pneumonia. Regardless of how harsh the weather becomes; we believe the following tactics can help you live indoors with ease.
You need to inspect every nook and cranny to ensure your home is weatherproof. Cold air often enters through gaps in windows and doors. Caulking around these gaps is an inexpensive solution to keep the draft out. Begin caulking around the window frames outside your home and if necessary, fill in the gaps by caulking inside. Alternatively, you can apply weather strip around the window frames. Once you have measured the length of strip required, cut as necessary and stick it over the gaps.
If your windows are past their prime, replace them with double pane windows. They are different from a single pane window because they have two layers of glass. Although, they may cost more than their single pane counterparts, double glaze windows are far more advantageous. They offer noise reduction and more importantly are energy efficient. Additional insulation on your windows can save you up to 30% on your annual energy bills.
You can winterize your doors by using an under-door draft stopper. They prevent heat loss by closing the gap at the bottom of the door. Under-door draft stoppers come in a variety of forms and are easily installed with the help of a hammer and handful number of nails. Brush door sweep, self-adhesive weather strip, door snake and twin draft guard are readily available at most hardware stores. Before you make a purchase, take into consideration how wide your door is and how big the gap is.
Prevent cold air from entering through your windows with insulated draperies. Thermal curtains are energy efficient because they are lined with heavy material. They can save up to 30% in heat loss. It is best to keep them open during the day so sunlight can come in and to draw them at night. You can purchase drapery that comes with lining or ones that sells lining separately. Another option is to use honeycomb cellular shades. Cellular shades contain honeycomb packets that trap heat to block out the cold. Your home will be ready for winter by using cellular shades paired with thermal curtains.
You can weatherproof your home by having your boiler serviced before the arrival of winter. Having an early boiler service will help the engineer catch problems in your boiler. Servicing your boiler will also increase its lifetimes and improve its efficiency.
It is ideal to have a boiler breakdown cover that provides emergency repair along with an annual boiler service. Although, independent tradesmen are available for hire, calling them out on the 11thhour during the dead of winter often proves difficult. They provide service in their local area only and cater to a limited number of customers daily. It is better to work with an organization that is reputable and are top-notch experts in their field.
247 Home Rescue has a network of 3000 engineers and provide cover throughout the United Kingdom. We specialize in boiler installation, annual service and emergency repair. We also employ tradesmen that are registered with Gas Safe Register which eliminates the risk of rogue tradesmen that do more harm than good.
As the temperature dips below zero, your water pipes are at risk of freezing over. This will not only cause discomfort as you will be unable to take hot showers, there is a possibility the pipes will burst and lead to flooding. You can prevent pipes from freezing by keeping your heating on even when you aren’t at home. Caulk or use spray foam insulation to fill the gaps where pipes run through walls or floors. Finally, apply heating tape directly to the pipes or fiberglass sleeves to decrease the chances of pipes freezing over.03/10/2019