March 4, 2015

Building insurance claims & water damage

At Dublin surveys our structural engineers are frequently carrying out inspection & reporting services for home owners that have had serious water damage or other incident occur to their building. Whether through fire damage, flood damage or storm damage it can be a highly distressing time and in most cases causing thousands of Euro in damage to your property. We have teamed up with our Colleagues John & John Mannion at Claims assist Ireland ( www.claimsassist.net ) to write a series of posts with advice on buildings insurance claims and advice for home owners from our Engineers on how to prevent the worse from happening.

water damage insurance claim | flood damage insurance claims advice |

 

The Most Common Causes of Water Damage in Ireland

For both residential and commercial building owners, many of the claims made against their buildings insurance policy involve floods and water damage of some description.Floods can actually be common occurrences, though only large scale events make it to the news. And no matter what the size or the cause of the flooding, water damage always poses the same risks to your possessions, and to the overall integrity of your property.

The Causes of Water Damage

With floods/weather conditions aside, the more common, everyday causes of water damage can include broken dishwasher hoses, washing machine malfunctions, burst pipes, clogged toilets, and leaks in plumbing and roofs. Regardless of the size whether it’s a pin hole in a copper pipe or a pipe that was blown out of a connection, if undetected it can cause substantial damage to your property. One of the main traits of a leak or an escape of water is that it can often take many weeks for the full extent of the damage to surface, this can be anything from the swelling of floor boards to the rotting of door frames, skirtings and architraves, so it is vital that your property is fully checked out by a professional.

Water Damage & Insurance

No matter what the cause of the water damage, whether you are a homeowner or a business owner, submitting an insurance claim can be a daunting/time consuming process. Often, your insurers will appoint a firm of loss adjusters to represent their interests. These loss adjusters will use every means available in order to repudiate your claim, using different clauses to minimize the amount of compensation you receive. This is where an Independent Loss Assessor can be a major asset to you in ensuring you get your maximum payout entitlement under the conditions of your policy.

In the event of water damage to your home or your business your Independent loss assessor can handle every aspect of your claim from reporting it to your insurance company right up until you receive your settlement cheque . Not only does a loss assessor organize all emergency and reparation works to safeguard the future of your property or premises, they will also co-ordinate your insurer and their loss adjusters to ensure that you get your maximum payout entitlement.

To arrange a free consultation, or for more information on how Claims Assist can help you with flood or water damage claims call us now on 1890 929 820.

Author – J. Mannion.

How to prevent water damage in your home or property

There are a number of simple and cost effective measures that can be taken to prevent certain common types of water damage in your home or building are detailed below. One thing worthy of mention from the outset and often forgotten – when your home is vacant for holidays or prolonged period – ALWAYS ISOLATE AND TURN OFF THE WATER SUPPLY AT THE STOPCOCK / VALVE. This will usually be a provision or term & condition in your insurance policy, but in simple terms if a pipe does burst the amount of damage will be minimized.

Maintenance to prevent pipes bursting and flood damage claims

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Lagging exposed pipes. Exposed pipes in attic areas are a common culprit for water damage incidents. Outside the ‘warm space’ of your home these pipes are susceptible to bursting or splitting during low temperature periods. This then can cause dramatic flooding from the top down destroying plasterboard in walls and ceilings in the rooms below. Lagging the pipework is relatively inexpensive and a simple project to undertake for the DIY’er. Alternatively most building companies will undertake this service in a couple of hours for a low cost.

Another area often overlooked are heating pipes to and from a boiler or oil burner – particularly at the boiler unit if located in a shed or outside your property. During freezing temperatures if not lagged or insulated these can freeze when the heating system is not in operation & pipe splits / bursting can occur further along the pipework inside your property.

Flooding damage claims - Attic tanks & burst pipes

Attic water storage tanks / header tanks. The water storage  tank or header tank in your attic space should be insulated on all sides and also have an insulated cover on top. Again a low cost easy project to undertake and tank insulation jackets are available in most builders providers. Pipe lagging should be applied on pipe work to and from the storage tank. The image above shows a tank without any insulation or pipe lagging applied.

M.Fleming

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