This helps with its stability and the longevity of your home. Look out for cracks in the concrete and report them to your site owner. It’s also important to check the chassis from time to time, particularly if your home is over 10 years old.
This helps prevent any damp, mould or mildew. We are unable to cover damage caused by broken seals on windows or doors so make sure these are well maintained.
If there is a storm and the roof is not in a good state of repair in the first place then this may not be covered by your park home insurance. We’d also recommend you check guttering to ensure it is clear and free from any breaks/holes as overflowing of water that causes damage to the home will not be covered by your insurance policy.
Drain the water systems prior to leaving. This is important as your policy does not provide cover for escape of water and frost damage when the home is unoccupied for more than 30 days. It is also important to ensure that you lock all doors and windows to help prevent theft whilst the home is unoccupied.
If you have any expensive jewellery or valuable items in your home that you need to insure, make sure you have specified these on your policy to ensure they are covered. Also, if you have any items that wish to insure whilst away from the home these will also need to be specified.
It’s recommended that the textured coating is repainted every three years to ensure the home is weather proof. Cracks can occur in the coating that will allow water to penetrate and ultimately cause the wall behind to rot. It’s a good idea to do a visual inspection of the walls in the autumn and spring for any cracks, these can then be rectified before any serious damage occurs.
As a specialist insurer of mobile homes for over 20 years, we’ve worked with our customers to understand what they want from their insurance. We’ve developed our park home insurance to offer a flexible approach to insurance, crafted around your needs, covering what matters to you most, and giving you peace of mind.
Get a park home insurance quote and buy online, or call 0344 892 1413 to speak to a specialist adviser.
Adam Summersby is a respected leader with 11 years’ varied experience in niche personal and commercial lines insurance, including caravan, site operators and excess reimbursement, with proficiency in leadership, sales and account management.
Date: June 29, 2023