Our 5 Top Tips to Risk Assess Your Own Home
We at Clark Thomson can arrange insurance risk assessments for our valued high net-worth clients at no cost, at a time that is convenient, and also attend in person to answer any questions you may have. Arranged through your broker, a surveyor will visit your home and assess your current security measures in place including theft protection, fire protection, and exposure to risks including storm and flood.
Prior to a walk-through of your property, the surveyor will discuss the risk factors at your home – confirming things like your occupancy patterns, the door locks you have installed, the type of alarm you have fitted, and the location of the nearest fire response unit. It is a thorough and detailed fact finding conversation to highlight any areas that could be changed or improved in order to best protect your home.
At times a surveyor coming into your home can be a bit daunting so our High Net Worth experts have some top tips on what your can do risk access your own home.
Here are your 5 Top Tips:-
1. Your local fire brigade can offer you a free fire safety visit
Not only will they fit smoke alarms free of charge, but they will also asses your proximity to a water source, provide advice on extinguishers and assist to you prepare a fire escape plan
2. Speak to a locksmith for advice on your door & window locks
Improving the locks on your doors and windows can be easier than you think. Many insurers now require you to have a 5 lever mortice deadlock fitted to all exit doors. Unsure of what this is? Speak to a locksmith who can advise you accordingly
3. Check your alarm conditions
Ensuring your alarm is set when you leave the property or retire at night is not only advisable to increase the level of protection at your home, it may also be a condition of your policy. Check with your broker and your policy documents to check you are adhering to any security terms
4. Un-occupancy plan
Going on holiday? Asking a friend or relative to check on your property which you are away can dramatically reduce the risk to your home. Always make sure your policy covers your property when you leave it for more than 30 consecutive days if you are on an extended break
5. Safe Protection
Check your safe has a sufficient cash rating. Did you know that safes have a limit to the value they can hold at any one time for insurance purposes? A safe with a £4K cash rating covers up to £40k in valuables, a £10k cash rating safe is covered for up to £100k worth of valuables
To discuss how to improve measures of protecting your home we’ll be present at the Scottish Game Fair, Scone Palace 29th June – 1st July. If you are attending the event we welcome you to visit our Stand O16 for a chat with one of our High Net Worth experts. You can also book your meeting here.