Home and Contents Insurance. Insurers refuse claims relating to poor maintenance. Part 2

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any trees or shrubs whose roots could affect ( mortgage quotes ) your property. If the roots manage to get into the drains or under the building then the repair bills will be astronomical. The worst culprits are Willows and Poplars; in fact, you are supposed to have specially reinforced foundations if your home is built within 150 feet of a Poplar tree.

• You also have to look out for falling trees. If a tree falls on your house then you will of course make a claim for the damage. But if the tree is on your land and is found to be rotten or already ( life insurance quotes ) damaged then it will become a maintenance issue and you will have to foot the bill. In future you'll need to prove that you have been looking after the trees on your land, you may even have to get a tree surgeon to verify the health of your trees on an annual basis, particularly if you have very large trees. Otherwise, your claims may be automatically rejected.

• Climbing plants are another danger area, ivy in particular because it causes damage ( Life Insurance Quote ) to brickwork and render if left alone to grow naturally. Do not at any cost allow the ivy to go onto the roof, as that really will be a recipe for disaster.

• Inside your house, you need to think about the gas supply, and getting an annual safety check on the gas appliances and the boiler is essential. After a long and hard winter, they may be storing up ( cheap home insurance ) problems. You also need to have the carbon monoxide emissions verified.

• Last but not least, take a look in the loft. Winter is a popular time for squirrels to invade and they are well known for getting at the insulation around wiring. It's a good opportunity to eradicate any old wasp or bird nests and block up the openings so they can't get back in again.

If you can follow these tips then you'll be doing yourself and your home a real favour - and ( remortgages ) you'll be doing enough to avoid any future problems with a possible structural insurance claim.