The Road Ahead : December January 2009
insurance feature Summer With many families heading off on holidays, empty homes can become a target for burglaries, while the storm season can bring with it property damage and destruction. RACQ Insurance (RACQI) general manager, personal insurance claims Graham Dale said there were measures you could take to help make your house as safe as possible against the threat of wild weather or burglary. S ummer is well and truly here and with it comes some distinctive home insurance considerations. solace There are a few things you can do to protect your home during summer. STORY BELINDA PETERS clear of the home. • Ensuring potential missiles such as outdoor furniture and children’s play equipment are secured safely. • Replacing or repairing windows and doors with small cracks to prevent further damage. • Having the roof checked for cracked or loose tiles or loose metal and to ensure ridging is fi rm. • In the event of a storm, disconnect all electrical appliances from the wall sockets. Also, if you’re going away this Christmas, Mr Dale said he recommended taking the following precautions to reduce the chances of your home being broken into: • Try to get a friend or relative to house sit while you’re away. • Arrange for the mail to be collected and lawns mowed to give your home the appearance it is being lived in. • Ensure all external locks, doors and windows are operating correctly. • Fit security screens to ground fl oor windows. • Don’t leave out ladders or other objects that could be used to break into your home for would-be thieves to use. • Keep all valuables, money, jewellery and house and car keys in a concealed location, not a drawer in the bedroom or similar place. • Install sensor lights and/or consider an alarm system. • Turn down the phone ring tone or divert it to your mobile phone so that it can’t be heard from outside the building. Mr Dale said although we could take precautions, storms and burglary were “We all welcome the rain but with more storms expected over summer it’s a good idea to look at what you can do to minimise the personal and property risks that a severe storm presents,” Mr Dale said. Mr Dale said there were a number of simple precautions home owners could take to help prevent costly storm damage, including: • Clearing all leaves and loose debris from gutters and drainage channels. Keeping tree branches trimmed and well events we had no control over. “But having adequate insurance cover on your home and contents is something you can control and the best way to ensure you can get things back to normal quickly if something happens,” Mr Dale said. “Now is a good time to check that your insurance policy is current and the cover is adequate.” For a fast quote on your home and contents insurance go to www.racqinsurance.com.au. Insurance products are issued by RACQ Insurance Limited. Contact our branches, agencies or phone 13 1905 to obtain a copy of the relevant product disclosure statement. Please read the product disclosure statement before you make any decision regarding this product. Terms and conditions apply. 16 DEC 08/JAN 09 Image by Dino O, Shutterstock.com.
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