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Preventing water damage in your home.

In insurance terms escape of water is when water leaks out from pipes or appliances in your home causing damage to your property. Water can also escape from:

  • Washing machines and dishwashers
  • Radiator pipes and central heating systems

So what can you do to prevent leaks in your home?

  1.  Look out for early signs of a leak. You may notice a drop in water pressure, a damp patch on a wall or ceiling or small puddles in cupboards or near appliances. Try and find out why and where it could be coming from immediately. These are signs of a small leak which could escalate if not resolved.
  2.  Can you hear a drip? An unexpected dripping noise could be a sign that there is a leak hidden under the baths or behind walls.
  3. Maintain grouting and seals around baths, showers and taps. Watch out for mould which can be a sign of decay and lead to leaks.
  4. Look after your heating system. Have your boiler and heating system serviced regularly by a recognised professional. Well maintained appliances are less likely to spring a leak.
  5. Unblock plug holes regularly by purchasing products that are effective and simple to use. Use a reputable tradesperson to complete plumbing work. Routine maintenance will help prevent what appears to be a minor problem today becoming a major escape of water tomorrow.
  6. Keep an eye on the weather. When freezing temperatures are expected, set your central heating to 10 degrees day and night. Insulate pips and water tanks. Especially in areas vulnerable to freezing such as lofts or outbuildings.
  7. Fit a helpful gadget. An auto stopcock can recognise a leak and shut off the water supply to prevent damage.
  8. Know where your stopcock is. And how to turn it off. Should the unexpected happen you can minimise the damage on your belongings by testing your stopcock in advance by running a nearby tap and ensuring it is completely stopped when the mains water is switched off.
  9. Let us know if you’re going away. Tell your insurer if your home will be unoccupied for an extended period, say more than 30 days, then follow any advice such as turning off your water supply.
  10. Read your policy documents carefully and keep your insurer’s details handy. In case you ever need to make a claim, save your insurer’s number in your phone along with your policy number. The best piece of advice we can give you is maintain your property to avoid wear and tear.

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How to check if you’re covered

If you’re an existing home insurance customer, here’s a link to our policy booklets so that you can check what’s covered, what’s available as additional cover, as well as advice on making claims and frequently asked questions.

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