Prevention is better than a claim
In recent years we have seen a dramatic increase in the number of Escape of Water claims in the Channel Islands.
This is causing policyholders untold distress, inconvenience and financial loss as they pay their excess on a claim. It will also increase future premiums because of the cost of claims being met by insurers.
Escape of Water claims can start with a small leak and end with the property being uninhabitable. Your insurance will normally cover a move to alternative accommodation, but compensation cannot fully cover the impact of being unable to use your home for weeks or even months – and the permanent damage to treasured possessions. Prevention is better than claiming.
Completing these simple checks around your home will give you some peace of mind…
- Check seals on washing machines and dishwasher doors
- Check the edges of baths and showers for leaks.
- Don’t ignore leaking taps, as they may signal other issues
- Book an annual service for your plumbing and heating systems to keep them in peak condition
- If your home has several bathrooms, make sure that all fittings are tested regularly
- American-style fridges and underfloor heating increase the risk of undetected leaks
- Don’t put off repair work, small leaks can quickly become much worse if left unattended
As a homeowner, you are responsible for maintaining your property in a good state of repair. If your home is badly flooded and you have to make a claim, it could affect the cost of your insurance premiums.
Water Damage Prevention Checklist
This checklist will help you prevent or reduce the effect of water damage in your home:
There are no guarantees against an escape of water, but checking your home and taking action could save your home and contents
- If you replace a bathroom, kitchen or other fitting, replace all pipework where possible so all works are new and can cope with increases in water pressure
- If you are away from home during winter, consider draining the system to avoid freezing pipes. If this is not possible, set the heating system to keep the property above freezing temperature.
- Keep track of the cost of your water bill as a significant increase may indicate a leak.
- Water Leak Detection systems cost approximately £450 and can be invaluable for shutting off your water supply in the event of a leak. Ask your plumber for a survey to provide advice on the correct product for you.
- Clear out debris from gutters and downspouts regularly
- Inspect all rubber hosing on washing machines and dishwashers for signs of cracking
Discovered a leak?
If you discover a leak, you can reduce the impact by:
- Acting quickly. Locate and turn off your stopcock to limit the water loss
- Check if the water has contacted any electrical fittings. If it has, isolate the mains supply until an electrician can attend.
- Mop up any standing water and move any contents/furniture out of the path of the water that may be dripping through ceilings or tracking across floors
- Once the leak has been isolated and made safe, contact your insurer and plumber to arrange repairs.
Don’t let water damage destroy your property!
It’s hard to imagine the devastation and disruption that water damage can cause to a home.
At Islands, we want people to be aware of the risks and to think about how to prevent damage to their property. Make sure that your home and personal possessions are protected, get in touch today to discuss home insurance today