Are you covered for water damage? - Home insurance - News - Moneyfacts

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Are you covered for water damage?

Are you covered for water damage?

Category: Home insurance

Updated: 27/11/2012
First Published: 26/01/2009

MONEYFACTS ARCHIVE
This article was correct at the time of publication. It is now over 6 months old so the content may be out of date.

According to Sainsbury's Home Insurance, water damage, through 'forcible / violent bursting', has been the cause of over 13,000 home insurance claims since 22nd December 2008. The value of these claims is estimated to be £27.56 million.

Sainsbury's Home Insurance Manager: "There have certainly been more home insurance claims linked to water damage in recent weeks than we'd expect to see when the weather is milder. Temperatures have dropped to as low as -10C (14F) and with more cold weather predicted, we expect to see more claims linked to water damage.

"We have seen cases this year where people have gone away for a few days and switched their heating off and retuned to terrible damage, this really is a no, no. Warm water must be kept circulating even if it's for a short period each day."

Handy Tips:

  • Check your contents cover to make sure you are adequately insured.
  • Check that you can operate your main stopcock easily or that you know where your water meter is.
  • If you're going away, leave the heating on at a low level (an advisable air temperature is 10oC (50oF)
  • Make sure that your pipes are properly insulated.
  • Check that you have your home insurance provider's emergency helpline telephone number.

Disclaimer: Information is correct as of the date of publication (shown at the top of this article). Any products featured may be withdrawn by their provider or changed at any time.

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