Wednesday, August 29, 2018

Reactive Blog #8 - Top Tips for University Living


Top Tips for University Living


Moving into your first shared house at university can be very daunting as there are so many things you need to learn to do very quickly that you have never done before. Such as paying bills, signing important contracts and engaging with landlords. Here are some top tips for you to make sure you have done everything properly before moving in.

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Check over the Important Things


When you find a house that you like you should ask the letting agents for a full list of fees before you agree to the property. It is important to remember that letting agents cannot charge you to register with them or to show you around properties. If they ask you for money for this, it is best to report them to your university.

You should also ask to see a copy of the energy performance certificate. This way you can find out how energy efficient the property is.

If possible it is best to speak to the current tenants. They will tell you if the property suffers from damp and whether the landlord or letting agent is easy to get hold of when there is an issue.

It is best to have your tenancy agreement checked over by the student union, or even your Citizens Advice Bureau if possible. If there's anything you're not happy with that they find in the contract, you can go back to the landlord or letting agent and suggest changes.


Make Sure Your Deposit Is Protected


It is very important that you make sure your deposit is protected. This way you can get your deposit back safely. When agreeing to a property your landlord must do two things with your deposit. They have to protect it within a deposit protection scheme within 30 days of receiving them from you, and they must give information about which scheme they're protected with to you.


Know What Type of Contract You're On 


Students renting private shared accommodation can either have separate or joint tenancy agreements. If you have a joint tenancy, where everyone signs the same tenancy agreement. All tenants have responsibility for the rent, so if one person does something wrong or drops out. All tenants may have to pay their share. It can be difficult for one person to move out when it’s a fixed-term joint tenancy agreement, so know what contract you have signed before you decided to drop out of university if you don’t like it. You could be left paying rent when you don’t even live there.

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Make an Inventory When You Move In



So you’re at the point where you have signed for your first shared house. Now you need to make an inventory list of what is in the house and what is wrong with everything (down to every scratch on anything). To do this, make sure you look thoroughly at the property when you move in and note it all down. You will need to give this to your landlord or agency. This means that if they try and charge you for anything that wasn’t you, you will have proof that it was already there.


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Know How to Contact Your Landlord


Your landlord is responsible for most repairs in the house and some repairs need to be fixed within a certain amount of days legally. If they refuse to fix them then you can get advice from an organisation like Shelter or from your student union (who should be very helpful).

You need to make sure that you know how to contact your landlord and that you've asked them how all appliances work. That way you can talk to them about any repairs before they get worse.

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Wednesday, August 22, 2018

Reactive Blog #7 - Tips For Buying a New Home


Tips For Buying a New Home


Buying a new or even a first home can be very exciting, but also daunting. There are so many things you need to worry about and look into to make sure there is nothing wrong with your potential future house. So we have put together some top things to check when looking for a new house.

What Way Is the House Facing?


Buying a new or even a first home can be very exciting, but also daunting. There are so many things you need to worry about and look into to make sure there is nothing wrong with your potential future house. So we have put together some top things to check when looking for a new house.

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What Way Is the House Facing?


The way that the house faces might not seem like a big deal, but in the summer you will really notice the difference. Most people really want a house that will be filled with warmth and light from the sun in the summer, which is a quality only really attainable if you purchase a south-facing house.

Check the Loft


The loft (if there is one) is a very important part of the house, even if you aren’t looking to convert it into a room. So make sure to check it out and see what the storage space like and the condition it’s in. Is it insulated properly? Is it caving in due to damp? Make sure you aren’t looking at a massive problem that could affect you financially and logistically in the future.

How’s the Roof?


How does the roof look? Does it look like its caving in? An old, unstable roof could end up costing you a lot. This is an important thing to check as roof problems are some of the most common.


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Check the Plumbing 


We recommend taking a moment to have a look at the water pressure by turning on the taps to see if the taps are insulated or not. It is best to ask how old the boiler is and if it likely needs replacing in the future. It is also best to check where the hot water tank is situated and to be aware that if it’s in the roof, it may be old and will soon need upgrading soon.

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What Can You Smell?


Can you smell any funny smells? like gas, sewage, or anything else unpleasant? In old properties there can be problems with the sewage systems, it can sometimes become blocked by tree roots or rocks. Luckily, many sewage companies can feed cameras underground to see what exactly is going on, but this type of impending issue is always best avoided.

What’s the Area Like?


It is best to look around the land the house is built on as well as to look around properly inside. Some things to look at is to see if it is set on a hill, or if the area prone to flooding. It might sound like a lot to take in, but it’s important to pay attention to the surroundings of the home you’re going to buy.

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Wednesday, August 15, 2018

Reactive Blog #6 - Home Safety - Holiday Checklist

Home Safety - Holiday Checklist 


Everyone loves going on a holiday, whether it's a short break in the countryside or 2 weeks away in Spain. The last thing everyone wants to worry about is the unattended house. Whether you forgot to set the security alarm or forgot to switch the water off.

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Things to Switch Off


Heating (Except in the Winter)


If you are going away in the winter turning off the heating is not a worry as you do not want your pipes to freeze and potentially burst.  But if not, please don't forget to switch it off before you go away.

Water


Water leaks are the most common house problem for holidaymakers when returning home to. Water damage can cause serious damage and it can be really expensive, especially when it's left unattended for a while. So please remember to switch off your water supply at the mains when you go away. To do this you need to access the stopcock, which is usually located in the cupboard under the kitchen sink. A leak from a water tank or pipe could also damage the electrical wiring and even start a fire, so this is must-do to protect your home.

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Gadgets 


It is very important to switch off all gadgets in the house before you go away, this includes things such as; TVs, computers, kettles, toasters, etc. This will protect your house from a fire and it could even save you money if you accidentally left one of them switched on.

Things Not to Switch Off


Alarms


The most important thing is to make sure that you test and turn on any security alarms in or outside your home. It is best to turn on your security alarm before you leave home and check that the outside security lighting and movement sensors come on. The last thing you would want when you are away is a break in.

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TV Boxes


If you don't want to miss an episode of Celebrity Big Brother or anything it is best to not switch off your Sky Box, the episodes will not record on series-link if the box is off.

Fridge and Freezer


While you should switch off most kitchen gadgets, you shouldn't turn off your fridge and freezer. You still need the freezer and fridge to run unless you’re going away for an especially long time. If you switch off a fridge or freezer, it will defrost and you’ll return to a very wet floor and if any food is left in it then it will have gone rotten. The horrible smell of rotting food isn’t nice to come back to either.

Wednesday, August 8, 2018

Reactive Blog #5 - Fridge Freezer Fixes

Fridge Freezer Fixes


A common and annoying problem you may have with your fridge freezer is a beeping alarm going off. This blog should help you find the solution to your problems.


Check the Fridge Door Seals


Broken or cracked door seals may prevent the fridge from closing, like any other door. Most of the time the seals are just dirty, which will also prevent them from closing. Wipe around the door seals with a wet cloth and try closing the doors again. If it appears the seals are cracked or broken. Your best option would be to replace the seals on the door. This should fix your problem.

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Check If Fridge Is Overfilled


Over filling your fridge or freezer will stop the doors from shutting properly. This can cause it to start beeping, warning you that the fridge is not shut. It is best to either rearrange what is in the fridge so it will shut or to remove some of the least important items from the fridge.

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Defrost the Freezer


If your fridge freezer does not have an auto-defrost function, then excessive ice can build up in the freezer and can cause the alarm to go off. Check the freezer and see if there is a build up of ice in the icebox or freezer. To fix this problem you should switch off the fridge and let the ice melt. Once the fridge is defrosted, the beeping should stop.

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Check the Fridge Is on an Even Surface


For a fridge to function properly it must be placed on an even and flat surface. Even a slight slant will cause the fridge to set off a beeping alarm. Check if the fridge is balanced evenly and then see if the beeping stops, this should fix your problem.

Still Having Troubles?


If you are still having troubles you can ask one of us at Reactive for help at: http://www.reactiveinsurance.co.uk/about/#contactus