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Plumbing Health Check: Step by Step Guide for Clients
Your four steps to completing a Plumbing Health Check
Step one: Contact a licensed plumber
Contact a licensed plumber. Chubb encourages using a licensed plumber listed on Chubb’s Supplier Showcase to complete the Plumbing Health Check. These plumbers have been trained on how to complete Chubb’s Plumbing Health Check. Chubb has partnered with NLD and where this offer is noted on your Masterpiece renewal letter, will cover the cost of the Plumbing Health Checklist if completed by NLD.
Step two: Schedule a visit
Schedule a time for the licensed plumber to visit your home and complete the checklist that was sent to you by your broker.
Step three: Undertake required works outlined in the completed checklist
Once the Checklist is complete, you will need to undertake any required works listed in Checklist. You are welcome to use the same plumber which completed the Checklist or an alternate licensed plumber to have these works completed. If the latter, please provide a copy of the completed Checklist to the alternate licensed plumber, who can then complete the required works noted in the Checklist. Please note the costs of having the checklist completed (if not completed by NLD) and any required works identified by the Checklist completed are to be agreed for and paid by you.
Step four: Provide your broker with the completed checklist and plumber invoices
Once the works noted in the checklist are complete, pass a copy of the invoice outlining the completed works onto your broker along with the completed plumbing health checklist. Once Chubb has received these from your broker, you will be eligible for a premium discount.
Frequently asked questions
The Plumbing Health Check is where you are asked to engage a recommended plumber to complete a plumbing health checklist. The checklist identifies the flexi-hoses within the home that are at risk of bursting and need to be replaced either due to their age or condition.
Your property has been identified as having a higher risk of internal water damage, due to the age of the home. Water damage is one of the leading insurance risks facing properties in Australia with flexi-hoses being the main perpetrator. Regular checks on hoses can prevent damage before it occurs, saving you the inconvenience of damage and repairs.
The benefits of completing a Plumbing Health Check include:
- Premium discount will be applied once the checklist and any identified works have been completed (the extent of this discount will vary depending on the specific policy).
- Reduces the risk of internal water damage.
You are responsible for arranging and paying the costs of conducting and completing the checklist and any identified rectification work.
If you are asked to complete the Plumbing Health Check, you will have 90 days from the effective date of the policy to have the checklist and any identified works completed (in order to receive the premium discount).
If your home has been substantially renovated within the last 10 years, where such renovation included an upgrade to the entire plumbing system, please have your broker contact Chubb as a plumbing health check may not be relevant.
Frequently asked questions
(continued)
The checklist identifies the flexi-hoses within the home that are at risk of bursting and need to be replaced either due to their age or condition. It also sets out the additional requirements for conducting a successful plumbing health check, including:
- Replacement of any flexi-hose(s) that exceeds 10 years of age, regardless of the condition
- All replacement flexi-hoses are to meet Australian Standards AS 3499:2022
- Internal tank style hot water systems are to be fitted with a shut-off valve
- Mains water pressure to be no greater than 500kpa
Flexi-hoses encompass a variety of hoses used to connect water pipes to taps and fixtures. They can either be metal braided hoses fitted to hand basins, sinks and toilets; hard plastic hoses fitted to washing machines and dishwashers; or thin plastic hoses fitted to fridges and water filters.
Since these hoses are under mains pressure, a burst flexi-hose can discharge up to 1,500 litres per hour. This can result in extensive water damage to a home, particularly if the property is unoccupied at the time or if the burst occurs on an upper level.
Our research and experience tells us that flexi-hoses, are susceptible to failure due to:
- age of flexi-hose
- inferior quality hoses
- improper installation
- household chemicals stored under sinks which causes corrosion of the metal braiding
- excessive water pressure
Flexi hoses have a limited lifespan, with most manufacturers and plumbers recommending they be replaced every 5 to 10 years, regardless of their condition.
A licensed plumber must be used to conduct the Plumbing Health Check. Chubb has established a panel of reputable licenced plumbers who are trained in conducting thorough Plumbing Health Checks. Chubb encourages using these plumbers to complete the checklist. Once the checklist has been completed, you can use the same plumber to complete the works identified in the checklist, or an alternate licensed plumber. All costs are to be agreed, and paid for, by you.
Once you have completed the checklist and any works identified in the checklist, you will be able to apply for a premium discount. To do this, you need to return the checklist and invoices from the plumber to your broker for them to pass on to Chubb.
Clients are responsible for arranging and paying the costs of conducting and completing any plumbing health check. The exception is where clients engage National Leak Detection (NLD) to complete the Checklist. In this case, the cost of completing the Checklist will be paid for by Chubb where this offer is noted on the client’s Masterpiece renewal letter. Any required works identified by the Checklist are to be paid for by the client. Chubb provides the Plumbing Health Check as a guide only, which may assist with a licensed plumber’s inspection of the property’s plumbing. The information in this document does not take into account the personal circumstances, objectives, financial situation or needs of an insured or prospective insured, and does not constitute financial, legal, professional or other advice upon which a reader may rely. Any references to insurance cover are general in nature only and may not suit your particular circumstances. The information is offered as a resource to be used together with an insured’s or prospective insured’s professional insurance advisors in maintaining a loss control program. Evaluations, reports, and recommendations are made solely to assist the insurer in underwriting and loss control. Evaluation for any hazard or condition does not imply that it is covered under any policy. No liabilities or warranties are assumed or provided by the information contained in this document. Any insurance cover referred to is subject to the terms, conditions and exclusions set out in the relevant policy wording. Please obtain and read carefully the relevant insurance policy before deciding to acquire any insurance product. A policy wording can be obtained at www.chubb.com/au, through your broker or by contacting any of the Chubb offices.