Home insurer Direct Line have issued a recommendation to home owners to prepare their properties ahead of winter to avoid damage which can be caused by the change in weather. The insurance provider has estimated that 40% of UK property could be left vulnerable to winter damage as the weather starts to turn, which leaves a number of homes open to problems and consequential insurance claims. According to the home insurance provider, frozen pipes and broken down boilers are two of the biggest culprits causing headaches for home owners during the winter months and so it’s a good idea to have your boiler serviced, and to ensure any exposed pipes are well insulated before the cold weather sets in to help prevent your home falling victim to these two common issues. As the last two winters have clearly demonstrated, cold weather can cause havoc for home owners and serious damage to property. Insurance experts advise UK home owners to ensure they have essential home energy cover in place as this will help safeguard against any unexpected problems and make sure you get the help you need right away. It’s also advisable to have a comprehensive home insurance package as these policies will generally cover against a range of winter damage, however it’s recommended you check up on the details ahead of time to ensure you have adequate cover in place before the winter sets in.