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Seasons change and if your property or premises has become vacant during the year there are four further aspects of security to consider through the dark days, early nights and extreme weather of winter.
Weather damage isn’t just limited to external areas of the property as water or ice damage following a storm can quickly affect internal areas too. Common problems during the winter season, which can result in both internal as well as external damage, include: collapsed chimneys; tiles lifting in extreme winds; snow on the roof; penetration of wet through weathered pointing or rendering; burst pipes as a result of frozen pipes thawing out.
Whilst many of these problems are not necessarily expensive to fix straightaway, complications arise for empty properties because often the damage is not discovered immediately but sometimes not until a considerable time after the event. By then, repairs could potentially run into thousands. Fortunately though, although you can’t prevent wild weather from hitting, you could reduce the overall chance of it extensively damage to your empty property by:
Mould can occur when a property has been closed up even for a short time and is usually caused by humidity and lack of ventilation. The spread of mould can particularly be a problem when a property is only temporarily vacant, a reason why it’s a particular problem in holiday homes and static caravans which are closed up off-season.
Mould growth isn’t just an unsightly nuisance, it can also be a significant health risk. Aspergillus fungus is a major component of mould found in damp patches and particularly in mildew, something commonly seen in properties which have been closed up or exposed to damp over a long period of time. This type of mould has a Category 1 health risk classification, which is the same as the risk from asbestos.
To prevent mould growth inside the property:
Pests have been around for centuries, but winter especially sees properties vulnerable as pests such as rats heading for the warmth of a nest – something they can easily establish in a property which is empty. Even UK winters are cold enough to cause rats to look for shelter, particularly when a cold one is predicted (The Sun, 2016).
As well as the threat of infestation and potential disease, as rats tend to nest on a come-one, come-all basis, rats can also cause considerable damage to properties, notably by gnawing through timbers and electric cables. Ways to prevent rodent pests such as rats, mice and squirrels from invading include:
Vacant properties are also particularly vulnerable to crime at any time of year. However, recent research by Co-op Insurance suggests that during the winter there is a clear statistical increase in property-related crime – as much as 36% more once the clocks go back in October.
It seems that the cover of darkness makes it much easier for burglars and opportunist criminals to identify if properties are occupied or not, especially as lights going on earlier in the evening makes this easier for them. To protect vacant properties against this increased risk of crime, it is advisable to:
Finally, if your property is empty, winter is also a time to keep a weather eye on your insurance. Although full buildings and contents insurance is a must for property, in many cases a claim for damage caused by winter issues will only be upheld if the vacant property itself has been well maintained and secured and if the insurer has been informed that the property will be vacant. By informing the insurer and taking all reasonable steps in maintaining and securing your vacant property not only minimises the risk of problems but maximises the chance of insurance company support in the event of a crisis.
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