As the winter months are bring sub-zero temperatures across the UK, homeowners are being advised to safeguard their pipes from freezing.

A home insurance provider reveals it saw a 500% increase in water damage claims during the plummeting temperatures last winter.

Early January 2009 saw some of the coldest temperatures in years and this led to a surge in claims for water-soaked homes - the majority for burst pipes or tanks in the loft.

Just one burst pipe in the loft can mean water gushing through your property ruining furnishings and belongings along the way and in some cases bringing ceilings down. For the homeowner this can mean months of disruption while their house is dried out and repaired.

The severity of the damage last winter was also greater than previous years as the freeze occurred at the end of the Christmas holidays. So many homes were empty when the pipes burst and leaks were not identified until days later.

Damage caused by freezing water and leaking or 'escaping' water from tanks, pipes, or heating systems is covered as standard under most contents and buildings insurance policies. Water freezing in tanks is also usually covered under buildings insurance.

Insurer advice

Greg Gladwell, the director of household claims from the group, advises homeowners to follow some simple tips if temperatures plummet.

"Last winter we had some of the iciest temperatures in years and for some a relaxing Christmas break was ruined as they returned to a drenched home."

He also added: "Because it is quite rare to have such cold snaps many homeowners forget that freezing and burst pipes can be a real problem - in some cases ruining entire floors of your home. The risk can be worse in traditional properties without modern heating systems or properly insulated pipes.

"And when homes are left empty, burst or leaking pipes often aren't discovered for many days and so damage can get progressively worse."

Mr Gladwell went on to say: "So be particularly aware if you are planning a week in the sun or on the slopes for Christmas or New Year.

"The problem starts when the thaw begins so make sure you have someone who can check on your home regularly and in particular when temperatures start to rise again, that way any leaks can be spotted early and stopped."

Take up frequent pipe checks in the winter

Mr Gladwell concluded by warning homeowners to: "Remember to leave keep your central heating on low so that warm air can circulate throughout the house."

Property owners were also advised to look into lagging. This is the process of wrapping the pipes and boilers, or layering an attic so that it prevents heat loss. This heat can be used to stop the water from freezing.

Also where you place the layering can help to prevent freezing. Insulation should be laid on top of pipes rather than underneath them, as insulation laid below the pipes will prevent any rising heat reaching them. Wrap up water tanks, cisterns and boilers in insulating jackets.

Additionally if any plans have been made to go away for a longer holiday over the winter period, contact your home insurance provider.

However be aware that most standard policies don't cover homeowners for standard perils like escape of water, burglary and theft if your home is unoccupied or unfurnished for more than 30 days in a row.

Due to this point, homeowners are being advised to think about taking out additional Home Emergency Cover on their properties.

This will cover you for emergency water, heating and service problems - like blocked or leaky pipes, blocked toilets, repairs to boilers, emergency locksmiths. This insurance will pay for plumbers or the relevant tradesman.