Water damage through burst or leaking pipe from internal plumbing.
Unfortunately, the cost of repairing the leak itself will probably not be covered by your insurance policy. But this is normally a very small part of the cost, the majority of which is repairing the water damage that has be caused by the leak. In most cases, the cause of the problem will be obvious. In some cases a leak detection service will be required. This can include thermal imaging, gas trace, and acoustic microphones.
It is sensible to check your policy includes ‘trace and access’, i.e. the cost of finding the leak and gaining access to fix it. Modern plumbing systems hide most pipe work making ‘trace and access’ cover increasingly important.
Water damage through leaking wastes typically from showers, basins, baths, WC’s, and appliances.
Leaks such as this can be hard to trace because of hidden pipe work, especially in contemporary bathrooms.
Water damage from a storm.
Normally caused by high winds damaging part of the external fabric of your home which then lets in rain water.
Water damage from ground water
Which will typically be flooding rivers, drains, culverts, and the like.
Water damage is typically widespread as water travels quickly after an escape, and it’s difficult to stop it spreading even after the initial flood has been mopped up. Water travels under floor finishes, along ducting, up and down walls, across ceilings, in fact everywhere. It can travel and migrate in unexpected ways and directions. It is often hidden and unless it is properly identified and exposed it will never properly dry out. If not identified and resolved hidden water will lead to mould growth, wet and dry rot, and consequent serious damage, odour, and health risks. The task of identifying all water damage requires skill, experience, persistence, professional tools, and must be done before your claim is finalised.
Typically, repairs to water damage include:
- Removing water damaged ceilings, drying out timbers, and fixing new ceiling.
- Removing wet plaster, drying out walls, and re-plastering
- Removing damaged floor finishes, drying out the sub-floor, and laying new floor finish.
- Removing tiles, drying out surfaces, and re-tiling.
- Removing and replacing water damaged woodwork
- Painting and decorating throughout.