Wednesday, May 13, 2009
Category:
Home Improvements
According to new research conducted by Halifax Home Insurance, 34 percent of UK householders are set to embark upon some DIY during the forthcoming Easter break. However, 43 percent admit to not being as skilled in this field as their parents.
Despite 77 percent not being fazed by painting, 65 percent do not feel comfortable with taking on wallpapering. In addition, 75 percent would refrain from a tiling job. Where larger projects are concerned, just 7 percent claimed to be confident enough to put in a new kitchen or bathroom.
Head of Underwriting for Halifax Home Insurance, David Rochester, commented: "It all looks so easy on the home makeover programmes, but it is perhaps no bad thing that most people say they wouldn't attempt large DIY projects themselves. Trying to tackle areas you are not qualified for such as gas, electrics or plumbing work can invalidate a home insurance policy, leaving the homeowner liable for the cost of any subsequent damage."
It would seem that DIY is not the only obstacle for some householders; general upkeep can also pose a challenge. Findings reveal that 17 percent of respondents admitted that they would not feel confident in simply changing a light bulb. Men were found to be more inclined to feel this way than women. In terms of changing a plug, 42 percent of people revealed that they can not do this either. A further 38 percent admitted that they would not be confident in changing a fuse.
When it comes to the garden, 35 percent feel happy to redesign their outdoor space without assistance. A geographic divide points to the fact that the Welsh are more avid gardeners than elsewhere, with 48 percent prepared to completely makeover this part of their property. In contrast only 21 percent of people in Northern Ireland were up for the task.
Prior to commencing a DIY project, Halifax Home Insurance has recommended that homeowners check their home insurance policy to familiarise themselves with what is and is not covered in the event of a mishap. In some instances, people may need to consider taking out additional cover just in case of any DIY accidents such as paint spills.
Halifax has also offered some useful advice to homeowners that have got DIY planned for the Easter period. Firstly, be sure to collate all required tools and equipment before progressing with a job. Secondly, establish a budget and do not go beyond this. Thirdly, enlist the help of a professional for work involving gas, water or electric – ask to see references and certificates for re-assurance of competency and reliability. Finally, think about taking out additional accidental damage cover for increased peace of mind.
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Homeowners who would like to improve their property but do not have the necessary skills to go about it themselves or the funds to pay for professionals, may wish to consider taking out a
secured loan to finance the work. This finance option could be used to fund a multitude of projects, ranging from general redecoration to a new kitchen or bathroom. For those who are looking to increase their living space, a secured loan could even be used to pay for a conservatory or extension.
