Your home

Lightning and order

When staying alone on holiday, make sure that it is possible to make the most of it. But if anything, it covers most of the insurance.

Lightning and order

Lightning and order

You can sit on a fire trap

Advice for holiday homes

  • Make sure the home is well burglarproof, preferably with FG-approved locks and alarms.
  • Create an impression that there is someone at home. Redirect or stop mail and newspapers. Do not leave the garbage bag unused in the stand. Collaboration with the neighbor for mutual supervision of the housing. The lawn should be cut and the flowers watered. Variation in the lighting (clock switch / photocell).
  • Unplug all electrical outlets that do not need to be connected.
  • Close the main stopcock.
Lightning and order

Avoid lightning damage

Many have heard horror stories about thinned freezer items because the freezer has been left out of power for a long time. Or reports of broken PCs due to lightning strikes. This and much more can happen when homeowners are removed and no one is present to ward off the damage. That the insurance most likely covers the loss can be a bad comfort when the inner fillet and all the berries lie and float in a water bath. Those who take precautionary measures may reduce the extent of possible damage.

Lightning

No summer without lightning and thunder. It seems to be a natural act. Okay when you’re home and can take precautions every now and then. But what if there are multiple thunderstorms away? Basically, the same safety rules apply as well.

Financial Services Association (FNH) has set up more advice on how damage by lightning strikes can be avoided. Perhaps the most important thing is to unplug the electrical appliance. If you want to make it even more advanced, a surge protector can be installed in the fuse box. A surge protector should be easily told to ensure that the lightning strikes take a different path than in the home’s electrical system. It requires an authorized installer to install such a device, and the price of the device itself is from a five-hundred-fold and upward.

Plumbing Damage

According to FNH, there has been a steady increase in the number of water damage in recent years. Many of them arise in connection with dishwashers and washing machines. A good deal of damage is also due to old pipes that burst. The damage to such events can be extensive not only in one’s own home but unfortunately also in someone else if you live in a residential complex.

The ability to reduce the risk of water damage is primarily concerned with regular monitoring of wires, pipes and connections. With long periods of absence, a good rule can be tough the head restraint. Another advice is to tie up with a neighbor who can check in on a regular basis.

From the Water Damage Office at SINTEF, several useful brochures can be downloaded.

Intrusion

Every day, homeowners are visited by uninvited guests, and often they arrive when there is no home, as in holidays. And then it is important to ensure good security of the home. Here are the advice of FNH:

  • Redirect or stop mail and newspapers
  • Do not leave trash bag unused on the rack
  • Collaboration with the neighbor on mutual supervision of the housing. The lawn should be cut and the flowers watered.
  • Divert your phone
  • Make an overview of your valuables (photo / video) and tag them
  • Keep the most valuable items in the bank box
  • Make sure all front doors are locked with FG-approved locks (FG = Insurance Firms Approval Approval)
  • Also make sure that exposed windows have attached FG-approved lock
  • Install FG-approved alarm system
  • Remember variation in lighting (clock switch / photo cell)

Fire

In all possible ways, fire is the most detrimental to a dwelling, and for those who live in it. 60 to 80 fires or fire extensions occur according to FNH in Norwegian homes every day. About a quarter of them could have been avoided because they were due to negligence and poor maintenance.

The Norwegian Fire Protection Association has on its websites many useful advice and brochures for fire protection of the home. There are also a lot of useful information on the pages of FNH. Essentially, it is about ensuring that the electrical system is always in a proper condition.

Potential sources of fire that should be checked before traveling:

  • The fuse box. Loosely fused fuses can generate heat.
  • Electrical articles. Devices in standby mode are available. Always turn them off, never unplug the power cord.
  • Coffee makers, etc. These should never be left with the plug when not in use.
  • The refrigerator. If this is too close to the wall, critical heat may develop.

insurance

Once the damage has occurred, it may be good to know that a regular home or villa insurance covers most of the time. However, it is a good rule to read carefully the insurance terms. In this context, it may make sense to check if the deposit is under insured. This calculator, developed by FNH, helps you with it.

Damage not covered or which may result in a reduction in payment, is primarily damages due to your own negligence. In case of damage to water leakage, it is important to be aware that there are limitations. There are only water damage due to leakage in the mains or defects in washing and dishwashing machines covered.

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