This year’s National Conversation Week theme is focussed on one of the nation’s favourite things to talk about… our homes and that conversation is even stretching to the topic of home maintenance.

With that in mind, National Conversation Week turned to Adam Ryan, Proposition Manager at the UK’s leading home insurance provider to mortgage intermediaries Paymentshield, about the importance of carrying out regular home maintenance and asked him to share his top tips.

Our relationship with the home has noticeably changed; it’d be fair to say that many of us now have a greater appreciation of these spaces. Over the last year, we’ve come to rely on our homes in ways we couldn’t imagine a year before – as our workplace, classroom for homeschooling, social hub and place of leisure.

As we lean on our homes for more, more often, it is especially important to make sure you have the right home insurance in place and that you regularly carry out general home maintenance to ensure you don’t find yourself unable to claim on your home insurance as general wear and tear isn’t covered by standard home insurance.

A YouGov survey of 2,180 UK adults recently commissioned by Paymentshield found that three in ten (31%) people hadn’t carried out any of the home maintenance activities we asked about such as roof repairs, cleaning gutters or bleeding radiators since March 2020.

Don’t fear, however… there are practical home maintenance activities that homeowners can carry out throughout the year.

When it comes to the upkeep of the home, the roof should be one of the first places to start. Replacing damaged and missing tiles can help prevent any water damage and damp problems further down the line – however, only 9% of people in our YouGov survey had carried out repairs on the roof since March 2020.

Drains and gutters need to be regularly cleaned out and are another key area to focus on – just over one in five (23%) people had carried this task out since March 2020. With 20% of last year’s Paymentshield customer claims made for storm damage at an average cost of £846, it is a good idea for homeowners to regularly check over roof and gutters and get any damage fixed properly.

Windows and doors need to be paid close attention to for early signs of rot developing (rot is not usually covered by home insurance) as well as any evidence of flooring and ceilings becoming uneven. Being vigilant for signs of damp or tide marks on the walls and ceilings is vital, and early professional intervention can stop the problem from escalating.

In the winter months, we become more reliant on our heating, so why not use the summer months to check the condition of your boiler, have it regularly serviced and carry out necessary tasks such as lagging pipes and bleeding radiators. Keeping a close eye on the water pressure can also help detect leaks at an earlier stage. If you have a home emergency policy that covers your boiler you may need to have it serviced annually as a condition of your cover.

With Paymentshield data showing the average claim for damage caused by escape of water coming out on average at £3,042, it puts into perspective just how important it is to keep up with home maintenance and make sure that you have quality home insurance for any sudden damage that couldn’t be prevented. Homeowners not carrying out regular maintenance, meaning that damage to their property occurred over a period of time, could be in danger of not being able to claim on their home insurance, leaving themselves liable to foot the cost for huge repair bills down the line.

To find out more about Paymentshield’s Defaqto 5-star rated home insurance product and its comprehensive range of features and benefits visit:


All figures, unless otherwise stated, are from YouGov Plc. Total sample size was 2180 adults. Fieldwork was undertaken between 28th – 29th April 2021. The survey was carried out online. The figures have been weighted and are representative of all UK adults (aged 18+).