Prevention is priceless: The small checks that stop big claims

Every year, our Private Clients claims team handles hundreds of avoidable claims — often caused not by sudden disasters, but by the slow consequences of things we meant to check but never quite got around to.

These claims aren’t just costly — they’re disruptive, inconvenient and often emotionally draining. And as brokers, you're perfectly placed to remind clients that a few simple checks can make all the difference.

Here’s our seasonal reminder of the things we forget to do… and often wish we hadn’t.

🔥  Fire prevention

• Have chimneys professionally swept before lighting log burners or open fires — especially after long periods of inactivity.

• Take extra care with candles, particularly during the festive season. Blow them out when you leave the room.

• Check Christmas lights for signs of damage or fraying wires, and never leave them on unattended.

💧  Water damage prevention

• Inspect shower trays and bath seals — even a slow drip can cause thousands in hidden damage over time.

• Check under baths and behind shower panels for signs of moisture, leaks or staining.

• Keep drains clear, especially in properties with off-mains sewerage. Make sure systems are regularly serviced and functioning properly.

• Bleed radiators and inspect them for signs of corrosion or weeping joints.

• Service boilers, heating systems and AGAs annually to reduce the risk of breakdown or leaks.

• Inspect oil tanks for cracks or deterioration, and ensure lines are protected from accidental damage.

🧠  A helpful nudge from Covéa

We know life gets busy. But small maintenance jobs — the kind that take 10 minutes — can be the difference between a quiet winter and a major claim.

By sharing this with your clients, you’re reinforcing the value of your advice and supporting the work of our expert team, who are here to respond when needed — but always prefer prevention to cure.

At Covéa, we work with brokers to deliver tailored solutions that truly reflect how clients live — and personal service that ensures they feel protected before, during and after any loss.

Let’s help them stay one step ahead.