It’s crucial to have the right amount of house insurance cover, to help cover you for unforeseen events. But insurance can only cover you for certain things and it’s equally as important to make sure you look after your home as best you can. After all, it may well be the most valuable thing you own. There are lots of things that can affect a home that most people simply don’t think about. And that could be a very costly mistake – especially if they are not covered by your insurance.

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Take a look online to get some house insurance quotes, checking the policies carefully to see what you would be covered for.

Here are a few potential problems with your house that aren’t generally covered by house insurance, but are worth keeping an eye open for…

Japanese knotweed

Japanese knotweed is a plant that can seriously undermine your home with its invasive root system and rapid growth – it can reach up to three meters high in a matter of months. But what sort of damage can it cause?

In its quest for light, the plant’s shoots can cause big problems for hard surfaces, easily breaking though and damaging things like concrete, tarmac or patio slabs. Your home itself could come under attack – Japanese knotweed has been known to come through cavity walls and concrete foundations, as well as retaining walls and drainage networks.

If you know or suspect the plant is growing in your garden, you should call in experienced professionals to get rid of it – the longer you leave it, the bigger the issue may be. Not only that, it may make buying or selling a property – and also getting house insurance– more difficult.


Woodworms are ‘fair weather pests’ – you’ll see them mostly between May and October (if your home is affected) coming out of flooring and roof timbers. Attracted to light, they’re often found near windows and windowsills, or around loft hatches.

Woodworms can cause serious damage to both internal and external timber, as well as your home furnishings, fixtures and fittings. If you don’t get the affected areas treated, it could weaken timber, which may undermine and eventually badly damage the structure of your property.

Mold and mildew

Mold spores are all around you, both in and outside of your home. They can only really grow and potentially become an issue in damp, wet or humid conditions.

Most people wouldn’t give mold or mildew much thought. And yet it can become a serious problem and cause all sorts of damage to your property’s structure and your possessions – not to mention your health. So how can you keep it at bay?

While you can’t get rid of them completely, you can minimize the growth of mold spores by making sure your house is well ventilated. Use an air conditioner or dehumidifier whenever necessary. Clean bathrooms regularly with mold-killing products – and avoid laying carpet in your bathroom, as it could retain moisture and encourage mold growth. Finally, if you’ve had a leak or suffered any water damage in your home, it’s best to replace all the affected carpets.

Water damage

Unfortunately, water leaks and floods can be severely destructive. So it’s well worth looking into ways you can protect your home from potential water damage, especially if you live in a flood-prone area.

For example, there are many products on the market that will make your exterior walls watertight – some products you can paint on yourself, while others need to be applied by specially trained professionals.

If you live on or near a floodplain, keep a stack of sandbags handy to block off any doorways and places where water could seep in. Also, consider keeping valuable electrical items on raised surfaces – or even upstairs wherever possible.

With rain never far from the forecast, it’s worth making sure your roof is completely watertight. Ask an expert to check all the joints and seals around chimneys, skylights and so on, as well as for missing or loose roof tiles.

While it’s vital to keep an eye open for problems, it is also vital to have the right house insurance in place. You can buy house and contents insurance together online. To find out more about what cover Halifax offers – simply go to their website.

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