Escape of water is a common cause of home insurance claims and can result in extensive damage to a property. Incidents can be caused by ageing pipework, worn bathroom seals, leaking waste pipes, faulty appliances or poorly maintained plumbing systems.
While some leaks are obvious, others can go unnoticed for weeks or months, causing significant damage before they're discovered.
Home insurance is generally designed to cover sudden and unforeseen damage. Cover will depend on the circumstances of the claim and the terms and conditions of your policy. Damage arising from wear and tear, gradual deterioration or inadequate maintenance may not be covered, which is why regular inspections and upkeep are important.
Fortunately, there are some simple steps you can take to reduce the risk.
- Check Bathroom Seals Regularly: Silicone seals around baths, showers and sinks naturally deteriorate over time. Replacing cracked or worn sealant is an inexpensive way to prevent water reaching walls and flooring.
- Inspect Pipes and Plumbing Fixtures: Periodically check visible pipework, taps and fittings beneath sinks, behind toilets and around appliances. Even a minor drip can cause significant damage if left unresolved.
- Consider Leak Detection Devices: Moisture-detecting leak sensors can provide an early warning if water is detected in areas such as under sinks, behind appliances or near hot water cylinders. Many modern devices can send alerts directly to your phone, helping you act quickly before significant damage occurs.
- Turn Off Your Water When Away: If you're leaving your property unoccupied for an extended period, consider turning off the water supply at the stop tap. This simple step can help prevent significant damage from an unexpected leak while you're away.
- Service Boilers and Hot Water Cylinders: Regular servicing can identify worn components or developing faults before they become a larger problem.
This could leave you responsible for some or all of the repair costs yourself. By carrying out regular checks and addressing issues early, you can help reduce the risk of serious damage and avoid unexpected costs.
Regular maintenance is an important part of protecting your property. If damage occurs because a known issue has been left unresolved, or as a result of inadequate maintenance, your insurer may limit or decline a claim in line with the terms of your policy.
Water can spread beyond the area where a leak begins, traveling through walls, floors and ceilings. Depending on the extent of the damage, repairs may involve:
• specialist drying equipment
• replacement flooring, plasterboard or insulation
• repairs to decorations and finishes
• temporary accommodation while work is completed
Not every leak can be prevented but regular maintenance and early intervention can reduce the likelihood of serious damage and disruption.
If you have questions about protecting your home or understanding your insurance cover, our team is here to help.