• The chilly, frosty bite in the atmosphere can usher in the delightful aroma of Christmas desires and a spirit brimming with joy to celebrate the approaching festivities with enthusiasm. Winter also brings some household challenges that require attention even before planning for future celebrations.
• Rest assured, the home insurance from HDFC ERGO will certainly address all the household issues that might arise during the colder months. Nevertheless, it is always beneficial to attend to some minor details to ensure that you do not face significant expenses later on for repairs.
• Explore these six prevalent household problems that your snug space may encounter.

1. Peeling Paint
   Peeling paint or paint that has chipped due to improper application of primer or preparatory materials is among the most frequent household concerns experienced by individuals. If you believe the paint requires attention, ensure appropriate insulation, maintain ventilation in your rooms, and prevent moisture from damaging the walls. You could even apply two coats of specialized winter paints to ensure that your cherished home appears fresh during the chilly months.
   
2. Boiler Breakdowns
   Boilers are essential and are greatly appreciated during frigid winter days. However, excessive use for household chores requiring hot water may lead to pipe leaks, inadequate heating, ignition burner issues, or loud bursts. To ensure that you and your family have access to hot water throughout the wintry evenings, it is advisable to consult an expert or technician instead of trying to fix the boiler yourself, as this could jeopardize the safety of others.
   
3. Burst Pipes
   The bursting of water pipes when temperatures plummet is a prevalent and detrimental issue that may leave you without water for several consecutive days. Winter sees a rapid decrease in temperatures, which causes the water inside the pipes to expand and freeze, leading to bursting. Therefore, it is crucial to provide adequate insulation and address tap leaks immediately. If you plan to leave your house for a few days, it is wise to turn off the water supply to your taps, and if they burst, simply shut off the taps and call a plumber at that moment.
   
4. Gutter Problems
   Clogged gutters represent a significant and quite frequent problem area. It is vital to allow water to flow freely to prevent freezing. You might also consider installing a heater in the gutters to prevent ice formation.
   
5. Mould Growth
   With winter rains frequently interrupting, mould growth is a typical occurrence in households. The key to stopping mould growth is to ensure adequate ventilation to prevent dampness from accumulating and damaging the walls.
   
6. Air Leaks and Drafts
   Once again caused by inadequate insulation, air leaks and drafts are another prevalent issue for homeowners during winters. Insulating and retaining the warmth in the window seals and doors, along with applying weather stripping, spray foam, and caulk to secure the window seals, can be an effective approach. Property Insurance serves as a resource that offers you financial protection so that you are ready for unpredictable situations.

Conclusion

• Even though a home insurance policy from HDFC ERGO will address most of these concerns, it is crucial to notice and repair the problems as they arise. It will only guarantee you a comfortable and healthy living, allowing you to then host your guests without any worries.

Disclaimer:

• The above information is for illustrative purposes only. For further details, please consult the policy wordings and prospectus before finalizing the sales.