What should you do in the event of a leak for insurance purposes?
Introduction
A leak can unexpectedly cause a lot of damage to your home. Whether it concerns a burst water pipe, a leaking roof or a defective washing machine, quick action is essential to limit the damage and activate your insurance. In this blog we discuss what to do in the event of a leak and how to submit a successful claim to your insurer.
1. Limit the Damage
It is important to take immediate measures to prevent further damage:
Turn off the water supply: Turn off the main tap to prevent more water from flowing into the home.
Protect your property: Move furniture and valuables away from the water.
Use towels and buckets: Try to catch or mop up the water to limit further damage.
2. Locate the Source of the Leak
Try to find out where the water comes from:
Check pipes and connections: Look for places where water pipes or drains run.
Inspect the roof or walls: If there is a leak due to rainwater, the problem may be in the roof or facade.
Hire a professional: If you can't find the cause, call a plumber or leak specialist.
3. Gather Evidence
To make a claim you will need proof of the damage:
Take photos and videos: Document the damage, including the source of the leak.
Record dates and times: Write down when you discovered the leak and what actions you took.
Keep damaged items: Do not throw away damaged items until your insurer has assessed the damage.
4. Report the Damage to your Insurer
Contact your insurance company as soon as possible:
Call the claims department: Inform your insurer about the leak by telephone or via their app.
Complete a claim form: Provide a clear description of the situation, including supporting documents.
Ask about next steps: Inquire whether an expert will come by for an appraisal.
5. Have the Damage Repaired
In some cases you will have to wait for approval from your insurer before having repairs carried out. If immediate action is needed:
Hire an authorized repairer: Choose a company that is familiar with insurance claims.
Save all invoices: You will need these to reclaim the costs.
6. Check your Insurance Policy
Not all types of leakage are covered as standard. Check your policy conditions for:
Water Damage Coverage: Often covered for sudden and unforeseen damage, such as a burst pipe.
Exceptions: Damage due to overdue maintenance is usually not reimbursed.
Deductible: Check what amount you have to pay yourself.
7. Tips to Prevent Future Leaks
Have pipes and roofs checked regularly: Prevent problems through periodic maintenance.
Use water detectors: These devices warn you of a leak.
Insulate water pipes: Protect pipes from freezing in winter.
Conclusion
In the event of a leak, it is important to act quickly and purposefully. By limiting the damage, identifying the cause and informing your insurer in a timely manner, you increase the chance of a successful claim. Always check your policy conditions and make sure you are prepared for unexpected situations.
