The Great British Summer strikes again; so just in case of a flood, make sure you've got home insurance


If you live in the United Kingdom you know what summers are like – great, warm weather until storms strike and countless homes flood and also suffer burst pipes. As a homeowner you have to be very careful about this kind of damage; the only way that you can protect your home and your property is to make sure that you have flood insurance. This is insurance that kicks in in case your home gets flooded. It is often known as building and contents insurance. The buildings part of it covers the actual structure and other adjoining structures such as the garage while the contents insurance covers the items in your home that will be destroyed or damaged by the flood waters.

As someone who is buying flood insurance for the first time you may be wondering which insurance company you should be dealing with – there are many and all of them claim that they have the best deal. This is not true and you should be careful- many insurance companies make money by fleecing their clients. The insurance company that you choose should have flood insurance that covers you adequately. Check to make sure that everything that can get damaged is covered by your premiums. If you are not sure go back to the company and clarify before you commit.

The other thing that you should be looking for in an insurance company is their track record with claims. Insurance companies not just in the UK but the world over make millions of pounds by rejecting valid claims. They either make the claimants go through so much red tape that they give up or they reject claims outright. You should look into whether the company that you have in mind has a history of claims-related litigation. If they do it is best to keep looking.

These are just some of the qualities that a good insurance company possesses. Since you don’t want to make costly mistakes it is best to bring in an expert such as Mortgage Advice Services to guide you towards a company that will suit your needs. We have worked with many insurance companies so we know which one offers what and also whether they are good at settling claims. You can find out more about our services on our website, http://www.mortgageadviceservices.co.uk/insurance/homeInsurance/   

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