Water leaks can be extremely destructive whether it’s trickling from a loose fitting or flooding from a cracked main.
Should a leak appear in your home, it is vital you are aware of how it has been caused so that it can be stopped! As soon as the leak is found it must be fixed to prevent any further damage, as well as minimising any repairs.
How leaks can cause major problems
The damage a leak can cause
As a homeowner, it is so important to monitor any potential leaks in your home. If you detect a leak, don’t ignore it! It could end up being a very costly mistake.
Beware! Lots of insurance policies do not cover water damage so please make sure to check your policy, as unfortunately, it may involve paying for additional damage to areas like your furnishings.
The source of a leak in your home doesn’t always come from the inside. If it has started from outside, we advise you to check any cracks in the foundation or around any windows or doorframes that are sealed.
As well as being outside some leaks can occur within a wall, this can be costly damage to fix as often the damage has been developing before you have been made aware.
Hidden dangers of water leaks
Five Important Leak Dangers
Making sure you take care of your homes is always important, therefore, we suggest you continuously monitor your leaks and get them fixed as soon as you spot one. If left unattended they can leave great damage not only to your property but to your health.
Mould is a common result of a water leak as it frequently grows in damp and wet places. Even the smallest amount of water can result in a build-up of moisture which can be toxic and costly to be removed.
The effect of a leak can also mean increased utility bills as warm or cold air is lost as more energy is spent on heating and cooling as the water will often seep through insulation in places like the roof or ceilings and walls.
Leaks can also cause excessive structural damage to your home, depending on where the pipes are located. It may require more extensive repairs as damage can include the walls, framing, ceiling joists and wood deterioration which can be costly fixes.
Lastly is a factor you may not have even considered but it’s definitely the most important! If the leak reached an area with electrical wiring it is out at the risk of a shirt circuit forming. This can develop into an electrical fire. To prevent this danger, we recommend always turning off your electricity and get in touch with a professional.
How are you covered?
What The Special Causes of Loss Form Covers
Should a leak form in your home we feel it is important to make you aware of the Special Causes of Loss Form. As the experience can be costly the purpose of the form is to help with covering the damage caused by your leak.
There are three key scenario’s that are covered:
Water damage that was caused by a sudden event, means damage caused by water leaking from a broken pipe is normally covered if the damage occurred suddenly. Assuming the property policy includes building coverage it should cover the cost to replace the damage.
On many occasions, pipes are stored in hidden places where they can be out of sight however making them less accessible. This may mean that in order to repair the leak, parts of your home must be ripped out. Luckily the special causes of loss form cover the cost of repairing the section that was ripped or torn.
Although the special causes of loss form do not cover damage to fire protection systems, it does include the coverage of the cost to repair or replace damaged parts of a fire protection system if the damage results in a release of water, powder, foam or gas.
We really hope this blog has given you more of an insight into the importance of fixing your leaks and the effects they can cause on your home. Please don’t hesitate to get in touch if you are interested in finding out more information or would like some advice from a member of our team. Please contact us on 0800 043 0458 or give us an email at email@example.com with any questions or queries.