Internal water damage to homes has risen by 72% in property-related home insurance claims over the past 5 years.
As a homeowner, internal flooding is the last thing you’d expect to claim on. Often more focus is put towards protecting your home from other events like theft or fire.
Security to your property is, no doubt, important for you and your family. It’s not unusual to be proactive in protecting your home from thieves by installing locks, security screens, alarm and security systems.
You’re also probably diligent in checking your smoke alarms on the 1st day of April each year. It’s the day the nation changes the batteries to their smoke alarms to ensure it works in an emergency. (It can also turn on depending on who’s cooking!)
But how vigilant are you protecting your home from internal water damage? How often do you inspect the water pipes in your home?
If you have concealed the water pipes for your appliances behind cabinetry, you probably never check the pipes for leaks or fraying, and yet this could be the unexpected insurance claim you make before theft or fire.
Internal water damage to your property is costly and inconvenient. Soaked carpets, warped cabinetry, soggy plasterboard and even damage to any electrical appliances you own… the cost to your claim can add up. And while it is currently claimable on insurance, it will still incur an unexpected excess fee and a possible increase in premium the following year. Let alone the time to meet tradespeople on site to get the damage replaced.
So how can you protect your home from internal water damage?
- Check your flexi hoses. And check them again. Every time you get your water bill, make this a reminder to check the flexi hoses around your property. Older style rubber flexi hoses should be changed every 5 years.
- Ensure stop taps are installed on all water feeds to isolate water at the appliance/fixture.
- Organise a plumbing inspection and replacement of old flexi hoses. This is a callout we are happy to do and encourage you to do so if you’re not sure on the age of your flexi hoses.
- Ensure your washing machine, dishwasher and water dispensing appliances (like a fridge or Zip Hydrotap) have flood stop valves so the water is shut off if the hose bursts.
- Have floor wastes in your bathroom if you’re building or renovating a bathroom.
- Install your hot water unit outside, not internally.
- When you notice a leak, get it fixed as soon as you can.
If you’re proactive with these steps, your house is better protected against internal water damage.