Water Damage

Water can irreparably destroy a home. There is no getting around the fact that water represents a major danger to the structure of your home. Everything from the rafters to the very foundations that your home is built on is at risk in one way or another to water damage. You might find this a little hard to believe but standing water and concrete do not mix, with water damage being the likely outcome sooner or later. Water was responsible for more insurance claims in 2013, than fire and vandalism combined. This may shock you but it certainly does not shock me, as I have seen the damage that can occur first hand. Whether it is a burst pipe or blocked gutters, water entering your home can have a devastating impact on you and your property. This article discusses in detail the dangers posed by water and also discusses the best way to prevent problems from occurring.

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Early Detection is Key

Detecting a leak or block early is a key part of preventing extensive damage. A leak that slowly lets water seep through into the fascia, can rot unprotected wood in a matter of weeks. Wood that makes up the internal structure of a property will not be treated, leaving it very susceptible to any kind of contact with moisture. A blocked gutter will be more obvious but this can also be missed if it occurs at a corner of the house that is not frequented as much as other parts of the property. As discussed at length in other articles on this website, especially the article on gutter inspections, inspecting your gutters regularly is half the battle. If you are uncomfortable with carrying out this task yourself, we provide this service for you. In fact all our gutter cleaning services come with a full inspection.

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What Damage Can Occur?

The most susceptible materials to this sort of infliction are those that are organic in nature. This would include carpets, curtains, bed linen and upholstered furniture. These items can be replaced relatively easy, with only the cost or sentimental elements to deal with. Although some kinds of mould can be treated, more often than not these materials must be disposed of to prevent the mould spreading to other parts of the house. Wood and plasterboard will take longer to be affected but rot will normally set in after a few weeks. Wood or plasterboard that has rotted must be replaced but you may be able to patch plasterboard without having to replace full sheets. Wood, on the other hand must have its lengths fully replaced, especially if they are load bearing. This can be very costly and it is generally very difficult work to carry out.

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Will Your Insurance Company Pay Out?

This really depends on your insurance policy and also the cause of the damage. If the damage is a result of an ‘act of god’ which includes flooding or storms, your insurance company may not pay out but again, this is down to how your cover is set-out. Damage that is a result of a pre-existing condition that was either not declared when the policy was taken out or declared but the insurance company omitted this from the policy, will not be covered. My advice is to contact your insurance broker and ask these questions, so you are crystal clear on what is covered and what is not.

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