Locksmith Sutton - The Wrong Locks On Your Doors Will Leave You Empty-Handed

This information is advice provided by locksmithsutton.com - Homeowners insurance is a smart idea. Protecting what is yours is always wise, guaranteeing the safety and security of your family should be first on everyone's to do list. There are literally hundreds of ways to insure your home. What you may not be aware of as a policyholder is how the locks in your home may void an insurance claim, should you happen to be burgled. In the event of a fire in your home the insurance company looks for causes that may have started the fire. In the event of a robbery the insurance company looks at the locks on the doors and windows of the various entry points in your home. If you do not have the proper locks installed an insurance company can deny your claim.

Each insurance company differs in what their requirements are, but they all agree on the basic points. Each entry and exit to your home should be fitted with a five pin tumbler, more commonly called a deadbolt. Depending on what the door is made of, different types of locks may be fitted. For example an aluminum or hard plastic (PVC) door is required to have a five pin dead bolt or lock that requires a key for both sides. Wooden doors require at least a one sided key entry lock, preferably to a deadbolt or lock on the other side. Any window that does not require a ladder to reach is also supposed to be locked with a lock that requires a key to open. For information visit locksmith Sutton at www.locksmithsutton.com

Patio and French doors are often a weakness when it comes to home security. There are special locks for these doors, called mortice, that will slide into a tongued groove in your floor and ceiling, which will keep these doors securely in place. It is important to read all of your homeowner's insurance policy before you sign it and send it back. Most of the time these requirements are laid out in the small print that's always hard to read. Read it anyway.

Most of the time a policyholder is not aware how the locks in your home may void an insurance claim. Don't be the one who waits till after the disaster happens to find out. The insurance companies will not care that you did not read the small print on your policy. Most of the time they hope that you won't so they won't have to pay you. Meanwhile you will still have to pay them even if you have all empty rooms in your house. Read everything from the start and make sure to have the correct locks on all your doors and windows on the first level of your home. Anything you don't have to climb to get to should be looked at.