CTOKOS Blog

Do you open windows and doors so that light, and the breeze can pars through the house while you sleep and when you are out? If you do then you are leaving a opportunity for people to enter your home and your policy will probably not cover you. As you have left a entrance for them! So when you are sleeping or when you are out make sure that you only leave windows open on the top floor of your property. And that the windows are in full view of the public. This will not protect your home but it will put people off ,when they think that they might not be able to enter or they might be see.Recent reports warn if of a specific weakness in home security schemes. Through a method called “cylinder bumping”, over 95% of the Double Glazed Doors often installed on UK homes are at risk of burglary. police report a widespread application of this method of forced entry.Cylinder bumping leaves no sign of force. Without evidence of thief, most insurance companies will seek to avoid loss reimbursement.The typical multi-risk, household insurance policy will include building and contents coverage. But not all multi-risk policies are equal. While most will cover water damage and thirty-party liability, only 75% will include theft loss.Any solid multi-risk home policy should contain a structural damage clause. This applies to physical property damage deriving from fire and smoke, weather, and theft. Full coverage will include walls, windows, doors, fences, drives, and other permanent fixtures.If a home contents insurance policy includes theft protection - not withstanding a listed policy exclusion - any theft that results in property destruction should be covered. This includes restoring or replacing broken entry points.However, the proving theft loss expects that you can prove that windows and doors were locked before the theft took place. Cylinder bumping not only gives the criminals easy access, it also provides insurance companies with a bailout plan. Examine your doors. Make certain the locks are bump proof. Make a habit of checking window latches. Check your insurance policy for a theft clause. Though standard accident coverage will replace glass and windows, burglary is no accident. Forced doors are covered, but bumped doors may leave you empty handed.