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From your home and valuables, to prized collections and jewellery, you have a lot to insure. When you insure your home and contents with Chubb, you will receive a high level of service from an insurer who is specialised in working with successful individuals with high value assets.
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For most Australian homeowners, it’s not the threat of external flooding from over-flowing rivers and creeks that is the most likely threat to their properties. In fact, it is water related but much closer to home, literally - and the threat is often silent and largely overlooked by homeowners: internal water leak damage.
So, while most homeowners focus on protecting their homes against theft and fire through locking devices, alarm systems and smoke detectors, they are ignoring a far greater underlying threat in their homes – water damage.
Learn about the major causes of water damage and how simple measures can help you avoid costly damage to your home.
An analysis of claims made by Chubb Masterpiece clients from 2013-2018 indicates that the four leading causes of water damage in Australian homes are:
1. Burst flexi hoses
A flexi hose is a plastic tube with steel braid around it. As these hoses are pressurised, a failure of the hose can result in a significant amount of water suddenly entering the home, which can result in lengthy and expensive repairs. Flexi hoses are often used on miser taps, toilets, washing machines and dishwashers. Plumbed fridges and water filters also use flexi hoses. Flexi hoses usually burst because they were damaged during installation, or may have suffered wear and tear, or household chemicals and cleaning agents have been stored nearby and have corroded the hose prematurely. The typical manufacturer's warranty is 10 years so replacement should take place within this time by a licensed plumber.
2. Water damage by appliances
Damage caused by water escaping from household appliances is also a common issue in homes. Overflowing sinks, faulty washing machines and dishwashers can cause serious damage to carpets and other household content.
3. Blocked gutters
During heavy rainfall, problems occur due to blocked leaves and drain pipes, which then back up and overflow down internal walls and cause water damage.
4. Blocked drains
Blocked drains often occur after heavy rain or from tree roots or items like paper towels blocking drains. The result can be sewerage and storm water causing damage within the property.
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