Common claims.

Did you know...

We hope you never need to make a home insurance claim so we’ve put together our top tips to protect yourself from what tend to be the most common claims.

Escape of water

It’s really important to check pipe work for damage or leaks before you go away, especially if you’re going on holiday for a long period, to prevent coming home to a water damage disaster.

What do we mean by water damage?

Escape of water damage is typically caused by water from inside the house, such as from a leaking radiator or pipe work.

Common causes can be faulty goods, poor workmanship or wear and tear. Most insurers will cover the damage caused by the water but not the repair to the leak, unless its caused by freezing.

So how can you avoid leaks in your home?

  • Keep an eye out for any possible leaks. If you see a drop in water pressure, a damp patch on walls or ceilings or even small puddles in cupboards or near appliances, investigate why and where it may have started. Do not ignore these issues as they could become significantly worse if not dealt with.
  • Listen out for irregular noises. If you hear dripping noises, this could be a sign that there is a leak hidden under the baths or behind walls.
  • Look out for mould. Maintain grouting and seals around baths, showers and taps to avoid mould which could lead to decay and potential leaks.
  • Maintain your boiler and heating system. Make sure to have both appliances serviced often by a recognised professional to avoid potential water damage.
  • Don’t let your plug holes get out of hand. Unblocking your plug holes regularly will make a big difference in the future and could avoid costly plumbing bills. Have a look at some products in your local shop which are easy to use and keep up regular DIY to avoid calling out a professional unless the issue becomes severe.
  • Don’t let your pipes freeze over. During the winter, set your central heating to at least 10 degrees day and night to avoid the pipes from freezing. In colder parts of the house such as attics, basements and outbuildings, add extra insulation to maintain higher temperatures in these areas.
  • Fit an auto stopcock. This helpful appliance can recognise a leak and shut off the water supply to avoid potential flooding.
  • Test your stopcock in advance. So you can be prepared if the worst was to happen one day, test your stopcock in advance by running a tap and make sure it completely stops when the main water is switched off.
  • Planning a getaway? If you're going away for an extended period, say more than 30 days and the house will be empty, let your insurer know so they can provide you with helpful advice to avoid damage to your home.
  • Read your policy documents carefully so you know what you are and aren’t covered for. In case you ever need to make a claim, save your insurer’s number in your phone along with your policy number.

Try these top tips on top of everyday maintenance to your home in order to avoid wear and tear.

Other common claims

* Sources

  • ABI property claims data up to 2015.
  • Common claims information taken from Lloyds Banking Group and its subsidiaries in 2015.

Important information

Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.