Water damage can present many problems for many organisations and property owners. Every year there are numerous insurance claims for damage to buildings and contents caused by water. According to the Association of British Insurers (ABI), 21% of all property insurance claims were caused by water in 2014.
Escape of water can present many complications, however, if the risk is managed the damage could limit the problem for building owners, occupiers, and managers.
There is a range of influencing factors that could cause an escape of water:
1. Contemporary Lifestyles
Ever changing lifestyles can increase water hazards for an organisation or building, especially if there are more plumbed appliances or the property has been upgraded with an increased number of toilets and showers. Additionally, older properties with corroding pipes are a risk and should be replaced to limit the escape of water risk. If a building has experienced DIY improvements and repairs, then it is also important to ensure that they have been installed correctly to prevent more serious damage happening in the future.
2. Consumer Climate
Escape of water may occur in winter when a frozen pipe is left un-lagged and bursts when the water starts to thaw. The implications can be extensive, with damage to the surrounding walls, floors, and furniture all possible. This type of escape of water risk is particularly common in uncopied properties when the pipes are not regularly warmed through heating. It is important for organisations to take extra caution in colder months by ensuring all exposed pipes are appropriately insulated and regular routine inspections are carried out.
3. Construction and Workmanship
Poor construction in a building can heighten the risk of escape of water and includes incorrect installation of modern plumbing methods and the failure of joints in pipework. Human error, such as valves being mistakenly left open prior to changing the water supply system can also cause a water leak. Therefore, organisations could consider making it mandatory for installations or repair work to only be carried out by a plumber who has the appropriate third party accreditation, such as APHC (Association of Plumbing and Heating Contractors) or CIPHE (The Chartered Institute of Plumbing and Heating Engineering).
How escape of water risk can be minimised
These preventative measures will enable organisations and property owners to take robust actions in ensuring their risk exposure is minimised.
- Ensure regular inspections are carried out on cold water tanks and pipework
- Inspect and maintain sealant around showers
- Repair dripping taps as soon as possible
- Check for dripping or leaking overflows
- Be aware that if heating fails, this may be due to freezing pipes
- Quickly isolate appliances if leaking
- Be aware and do not ignore signs of water leaks
- Ensure emergency call out numbers are available
Devices to minimise escape of water risks
The use of technological devices such as a remote meter reading and leak warning devices can provide useful assistance in identifying water leaks in a supply system. They can analyse water consumption and recognise abnormal usage trends, to facilitate an early warning of water leaks.
In addition to this, devices can be designed for individual buildings and linked to a smartphone to enable a notification if a leak occurs when the property is unoccupied. Some devices also have the ability to cut off the water supply automatically. It is important to understand the leak detection devices which are featured on the Water Technology List, to ensure they are maximising their preventative opportunities.
Please get in touch with one of our property insurance consultants for more information