Understanding window locks for insurance requirements might seem insignificant, however, whether you’re a new homeowner or a landlord, it’s important to understand your insurance window lock requirements to ensure it doesn’t become void.
Window locks are a crucial part of your property’s insurance and therefore directly tied to your insurance. The presence of proper window locks reduces the likelihood of break-ins and therefore reduces associated insurance claims.
Ensuring your property meets the correct insurance window lock requirements could lower your insurance costs and provide better coverage terms. If your locks fail to meet your insurance requirements you may. be denied claims or insurance due to a potential higher risk of break-ins.
The simple answer is to ensure your property is secure and prevent it from looking like an easy target for burglars. Statistics show a ‘fifth of all domestic burglaries in England and Wales are committed through a window’ often choosing a window or door that is left open or with a visible vulnerable feature that they can exploit.
Without properly fitted, high-quality locks, your property is left vulnerable to theft. Similarly to if you left a window open when leaving your house, your insurer may not be obligated to honour your claim. You should always check the details on your insurance documents, as there are a few different types of locks that may be available under your insurance but this will differ between insurance companies.
Acceptable window locks may include five-lever mortice deadlock, multi-point locking system (common on most UPVC doors and windows), Rim automatic deadlocking nightlatch/deadlatch, Key operated window locks or bolts. Ensuring your house utilises these types of window locks means they are of a high standard.
If your window locks don’t meet the required standard for your home insurance, your insurance may become invalid and if you have to make a claim it is likely to be denied. You may also be denied insurance in the first place meaning your home or property won’t be covered.
It isn’t worth the risk of invalidating a claim, so you should get your locks checked.
Begin by checking your insurance policy to clearly understand what specific locks are required.
Check for key features such as key-operated locks, the ability to lock from both the inside and outside of if the lock is part of a multi-point system.
Some things to look out for or to ask yourself when testing them may include:
If unsure whether your window locks meet your insurance requirements, you can contact a professional to assess the locks and their quality. They’ll be able to advise if you require new locks to meet your insurance requirements or whether anything is required to improve the current state of your locks through refurbishment or regular maintenance tips.
It could be beneficial to take photos and keep records of your window locks. If a professional locksmith replaces your locks, keeping hold of receipts and installation details can be helpful if you ever need to make a claim with your insurance company.
At Veteran Locksmiths we have 10 years of experience working on commercial and domestic properties. so we’re equipped to handle any replacement or repairs of window locks. Our experience means we can help with assessing whether your locks meet insurance requirements.
Our fair prices ensure you won’t receive any surprises on your bill and we pride ourselves on providing the best advice and solution for your budget without pushing products on you.
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