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.

Typical scenarios of escape of water:

  • Valve failure
  • Radiator leaks
  • Pipe joint leaks

Many water damage claims are reported to have started in the bathroom. However, we shouldn’t assume that that’s where most leaks happen. Kitchen leaks are usually spotted much sooner and can be stopped earlier with minimal damage so fewer people need to make a claim. To avoid having to make a bigger claim because a leak’s gone unnoticed for example, you should always take the time to check pipe work.

Top tips

  • Regularly check pipe work for any obvious leaks especially before you go away on holiday
  • Maintain the quality of grouting and sealing
  • You can fit a gadget, for example, an auto stopcock which recognises a leak and stops the water when the property is unoccupied
  • Radiators should also be regularly maintained and boilers are recommended to be serviced yearly
  • Tell your insurer if the property is going to be unoccupied for a long period of time. Most insurers require that you notify them if the property is going to be unoccupied for more than 30 days, however it's important that you check the specific period of unoccupancy allowed for your particular policy. Some insurers will insist that you take certain steps to prevent escape of water damage, such as turning off the water supply at the mains and draining the system.

Read our 5 things to check before you go on holiday for more top tips.

Other common claims

* Sources

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