Escape of Water

Escape of water can be a common cause for property owners’ insurance claims, whether it is for your main home, second or holiday home or landlord’s, and this could cause a problem for tenants or homeowners to try to resolve.

Escape of Water or Flooding?

When a large volume of water is in a property, people may assume it will be flooding however there is a difference between the two when it comes to insurance. Flooding usually occurs when the water comes into your property from an external source, for example a burst water main. Whereas, escape of water happens when the water comes from inside your house.

Some examples of causes for leaks in your property?

  1. Frozen pipes: pipes can freeze and burst during colder seasons causing water to freeze and expand causing a break in the pipe releasing thawed water.
  2. Baths and showers: bath and shower trays could potentially leak if the sealant around them starts to peel away due to wear and tear or mould causing a breakdown of the sealant.
  3. Household appliance leaks – due to poor fittings or incorrectly plumbed-in appliances such as washing machines and dishwashers which could cause escape of water.
  4. Radiator and boilers: boiler and radiator valves and joints should be checked regularly because they can leak if they become rusty, worn out or not closed correctly.

Top tips for noticing a water leak

A water leak may not always be obvious, therefore it may be worth looking out for the following signs:

  1. Monitor your water bill closely to insure there isn’t an increase of water usage unknowingly. If water usage increases suddenly in a month this may need investigating as it could be a sign of a leak/ escape of water.
  2. Small damp patches in your property.

Ways to help prevent escape of water:

There are a number of simple measures you can take to help prevent escape of water over the winter months such as:

  1. Confirm pipes are connected to major appliances and are secured correctly.
  2. Regularly check and maintain the sealing around any baths, showers and sinks.
  3. Turn off or drain water supply if the property is or to become unoccupied for a long period of time.
  4. Keep heating on a low temperature to prevent freezing.

For more information on escape of water or insuring your property with us please call Intasure on 0345 111 0680 and we’ll be happy to help.

*The opinions and views expressed in the above articles are those of the author only and are for guidance purposes only. The authors disclaim any liability for reliance upon those opinions and would encourage readers to rely upon more than one source before making a decision based on the information.

Ref: FP14-2021