* Subject to a standard €250 policy excess
** Standard excess of €250 applies.
A solid roof over your head is what keeps a home cosy! You need to regularly maintain your roof; so check for broken tiles, cracks in bricks and external mortar (the material that beds your bricks together).
If you do find you need to replace cement mortars, it is a good idea to use lime mortar pointing, which will allow water to evaporate more easily from the bricks. There you are now.
Just like you, your pipes need to be kept warm during the winter months with lagging (like a little jacket), to prevent them from freezing and bursting. Make sure you check your insulation every year to see if it needs replacing.
Do you know where your water stop is located? This device will save you in an emergency leak situation, so it’s a good idea to be on familiar terms with it. (Psst – it’s usually located under the sink). Keep drains and gutters free from leaves and debris. If a drain is blocked, it may crack from pressure in freezing conditions.
What happens if your water has stopped? Yikes! Don’t panic. It's worth checking with your neighbours first to see if they're experiencing the same problem as there might be an incident such as a burst water pipe that has affected water supplies in your area.
Damage to pipes occurs when they become frozen, but you're only going to notice when the water in the pipes thaws. Therefore, if a pipe is frozen, isolate the affected area by closing your stop tap/valve.
When your pipes begin to thaw, run your taps into sink basins and baths to drain the plumbing system. This should reduce damage caused by water escaping from a burst pipe. Once the plumbing has thawed and there are no leaks, stop running the taps and slowly open the stop tap/valve.
You can check Floodmaps.ie to see if your house is on a floodplain. If it is, you will need to protect your home with products like flood boards and sandbags when the weather forecast gives the flood warning. These can help prevent water entering as well as reducing damage to your lovely new skirting boards.
If a flood does come to your door, these steps can help prevent optimal damage: unplug all electrical appliances and turn off electrical power; move possessions upstairs or stack them safely; place sandbags at doors; turn off water supplies at the mains.
If a storm is forecast, secure all doors, windows, and gates. Cut back overhanging branches, and unplug all electrical devices (if it’s a thunderstorm). We’d recommend keeping an emergency storm kit with all the necessities – a torch with extra batteries, home insurance documents, and spare bulbs.
EBS are offering 2 month’s free home insurance – not a bad deal! So save money and rest easy knowing any disaster the Irish weather throws at you could be covered in your insurance policy.
* Please note: We will only cover the cost of repairs that have been authorised through our emergency helpline. Damage as a result of wear and tear is not covered.
Emergencies happen when you least expect them, on weekends, during holidays or in the middle of the night so remember you can use this service day or night for emergencies like the following:
Water moves fast but so do we! We cover emergencies, inside your home, such as burst pipes, blocked drains, damaged water tanks or leaking radiators.
We will get a locksmith to your home to cover theft, loss or damage to your lock and keys so you can get back in safely.
Broken Window or Glass
Broken glass in outside windows or doors which makes your home unsafe.
Heating or Electricity Breakdown
If your heating system or electricity supply breaks down unexpectedly we can help provide assistance to restore your heat and/or electricity.
We won’t forget about you after the emergency repairs are carried out, we provide the following aftercare services to support and help you through it.
** Subject to a maximum of €50 per person, up to a total of €200 for any one incident. Only applicable if we deem your home uninhabitable.
*** Subject to a maximum of €200 for any one incident. Only applicable if contents need to be removed for security reasons.
Whether you’re looking for advice on your Savings & Investments or advice on all of your finances there are a number of things you should take into account. Most importantly, remember, that the overall purpose is to benefit you and give you reassurance that your finances are on track to meet your goals or to help identify any gaps in your finances that you might like to start addressing.
During the Financial Review you will be asked for personal financial information, such as your income, your outgoings and expenses, details of any loans and details of any current pension provisions you have in place. This information is required so your Financial Adviser can build up a correct and complete picture of your current finances and make suitable and appropriate recommendations. While you do not have to provide any information, without it the Financial Adviser will not be able to get a full picture of your financial situation.
Information you should bring;
You should also be sure to bring:
A good Financial Review looks at today, your desired tomorrow and shows you how to get there. Your EBS adviser will help you use this as: