News & Views

Your guide to escape of water - full article

28 November 2019

Escape of water, whether caused by plumbing issues, burst or blocked pipes, can cause considerable damage to properties and a huge headache for landlords.

Insurers pay out a massive £930 million in water-related claims each year and, while other commercial property claims have declined in recent years, escape of water claims have been steadily rising over the past 15 years[i], according to data from the Association of British Insurers (ABI).

The average cost of escape of water claims has also escalated; reaching £5,305 in 2018[ii].


Common causes of escape of water claims

 Frozen water pipes – extreme winter weather in recent years has led to an increase in issues caused by frozen pipes, with the ABI describing 2018 as the worst period of broken pipes on record in the UK[iii].

• Blocked waste pipes – build up in pipes can lead to increased pressure and cause damage to the seals, allowing water to escape.
• DIY errors – a shortage of plumbers and rising prices has led many property owners to ‘have a go’ at tasks like fitting washing machines and installing showers.

Problems caused by escape of water

Even seemingly small leaks can cause significant problems for property owners, with the tiniest of ruptures potentially releasing large amounts of water. According to the ABI, a claim relating to a burst pipe costs nearly £9,000 on average[iv].

As well as damage to ceilings, walls, floors and building contents, escape of water can have wide-reaching implications including: 

• subsidence damage if water disrupts property foundations
• business interruption and loss of rent or income during repairs
• the cost of alternative accommodation and/or premises

Tips to help prevent escape of water

1. Learn to identify frozen pipes

One of the most common oversights is ignoring frozen pipes until it’s too late. If the water supply has slowed down to a trickle, if water is coming out ice-cold or if your faucets are letting off a strange odour (which suggests a blockage caused by frozen water), pipes need to be checked for frost. Heating any frozen areas with a hairdryer or space heater can help get water flowing normally again.

2. Insulate exposed pipes

One of the best ways to prevent burst pipes is to insulate them with pipe wrap or insulating tape. The most important areas to focus on are the weaker parts of the pipes, such as the joints. In particular, exposed pipes, such as those running along exterior walls, and in the roof and basement, need to be protected.

3. ‘Lag’ your heating

Businesses often turn off their heating overnight and at the weekend. But if a sudden cold snap occurs, pipes can freeze and burst while no one’s around. By setting the heating to come on at regular intervals (otherwise known as ‘lagging’), you can keep water flowing through pipes, ensuring they don’t have time to freeze.

4. Disable the water supply in empty properties

Whether a property will be vacant for a week or several years, it’s safest to shut off the water supply while no one’s around. That way, if a pipe bursts, the damage caused will be negligible.

5. If your pipes do burst, turn off the stopcock right away

By stopping the supply of water to a burst pipe sooner rather than later, you can significantly reduce the damage caused by flooding. Landlords who manage large buildings with complex pipe systems, may want to invest in automatic leak detection equipment, which will instantly turn off the water supply if a leak is detected.

6. Take action to prevent waste pipes from becoming blocked

Tenants should be reminded that only toilet paper should be disposed of down the toilet and that only water should be poured down external drains. Landlords can provide drain protectors for all sinks, baths and showers to prevent food waste and hair escaping down the plughole.

7. Ensure pipework and seals are good quality

Plumbing isn’t an area in which to cut corners. Landlords should invest in high quality pipework and seals and have a qualified plumber undertake any work such as fitting washing machines or installing new showers.

We’re working with LeakSafe

In order to help minimise the risk associated with water leaks and burst pipes for our customers, we are working with LeakSafe, a specialist in water leak detection and prevention systems.

All LeakSafe systems are specifically tailored to the building type and occupancy level and include systems to turn off water if a property is unoccupied and remotely monitor risk.

Benefits of using LeakSafe technology include:

• automatic leak detection of both clean and dirty water
• accurate leak location information
• automatic notification of any issues via email, text or app

For more information about LeakSafe please contact your Business Development Manager or local region.

[i] Association of British Insurers (ABI)

[ii] Association of British Insurers (ABI)

[iii] https://www.cii.co.uk/media/10120697/escape-of-water-good-practice-guide-for-claims.pdf

[iv] https://www.cii.co.uk/media/10120697/escape-of-water-good-practice-guide-for-claims.pdf