When the temperature drops, frozen pipes can quickly turn into burst ones, and a tiny leak can cause a lot of heartache.

Keep your home one step ahead of the cold

• Lag your pipes and tank: It’s a small job that can save a big mess later.
• Keep the heat on low: Even when you’re away, warmth keeps your water flowing.
• Know your stop-cock: A few seconds can make all the difference in an emergency.
• After a cold snap: Look for damp patches or low pressure - the first signs of trouble.

If something goes wrong

• Turn off your water and, if needed, electricity.
• Take photos and contact your insurer right away.
• Try to dry the area and stay safe.
• Burst pipes are among the top home insurance claims each year.

A few minutes of prevention now could protect the place you love most when the frost sets in.