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We are all waiting for the hot weather that summer brings but what are the costs of water damage to your property?

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Published: 19/05/2017   Last Updated: 19/05/2017 16:09:36   Author: Shelbie Wells    Tags: Water Damage, Plumbing, Insurance, Advice, Hazelwoods, Water Leaking

We are all waiting for the hot weather that summer brings but what are the costs of water damage to your property? 
 
This week’s blog comes from latest research from Direct Lines Home Insurance which indicates that in the last 5 years over four million people across the UK have experienced some form of water damage to their property due to water escaping from their neighbour’s proper-ty.

So…What is the impact of water damage on your property?

As obvious as it may sound, water damage can result in a very costly bill so acting fast to pre-vent further damage is always recommended. What may appear as a small amount of water escaping can soon become a bigger problem, seeping through floorboards, behind tiles and into furnishings, causing costly damage.

Direct Line found that an “estimated 800,000” people have had the trouble of having to deal with water escaping from a neighbouring property, resulting in a bill of around “£707 million per year”!
What’s even more frustrating about a water leak is that usually at the point at which it is noticed, it can be too late as it has already started causing considerable damage in your home. The research highlighted the most common areas of damage to ones property were; “damage to plaster (29%) paint damage (26%) damp in walls (22%) damp in callings (21%) damp on floorboards (16%) and damp to soft furnishings (16%)”.


What to do in a water escaping emergency?

Identifying the source of the problem as quickly as possible Is essential in preventing water spreading any further so we would recommend by switching of the water supply to your property.

I think the water is coming from my neighbour’s property but they are not in, what do I do?

This is a problem that researchers at Direct Line discovered. They explain how “One in 16 ” called out the police to deal with the problem due to lack of access to their neighbours proper-ty. Others reported attempting to deal with the problem themselves by turning off the water supply to their neighbour’s property or asking the water board to turn off the supply. However direct line recommends that if you believe the escaping water to be coming from your neighbouring property you should “call the police as they can affect entry under the auspices of the ‘Police and Criminal Evidence Act’ on the grounds of ‘preventing serious damage to the property’”.

There are some ‘quick fixes’ which can help, these include putting a bucket underneath the leak of which 27% of people in the research reported doing, and patching up the leak them-selves (21%). However the main concern with both of these quick fixes, is exactly that - they are short term fixes and cannot provide a long term, safe solution. Calling out a plumber as soon as possible may be more effective as they can go straight to the source of the problem and resolve the problem safely.

Finally, given the high cost of water damage it is important to ensure you have sufficient insurance and to double check that your buildings and contents insurance covers in cases of emergencies.
• We also recommend to:
• Take time to understand what is and isn’t covered in your policy
• Take time to read the small print
• If your not 100% happy, review your cooling off period and consider alternative insurances that cover you adequately!