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Did you know that if your average household water pipe bursts, it can displace enough water to fill a swimming pool within 24 hours? Typically water damage accounts for more claims than fire and theft – even small leaks over time can do significant damage.

To see how much you know about water damage – and how likely you’ll experience it – answer the questions below:

  1. Do you turn off the water main before leaving on holiday?
    If you said yes, you are in the minority, even though most people know where the water main is and how to turn it off. Make sure everyone in your family knows, too. Usually, it’s near or under the kitchen sink, but older houses may have a small culvert outside where the stopcock can only be operated with a specific tool known as a stopcock key.

  2. In what month does the most water damage occur?
    If you said August, you were correct. That’s not to say damage doesn’t also occur in winter – use a smart thermostat to maintain a minimum temperature of at least 10 degrees Celsius in your home. Warm water must be able to circulate through pipes to prevent freezing damage from occurring.


    two babies having a bath in the sink 
  3. Have you installed a water leak detection device in your home?
    Relatively inexpensive, detection devices automatically shut off the water supply in the event of a leak, which is essential if you leave your property vacant for extended periods. If you have one installed already then you’re a step ahead of most.

  4. Have you experienced a water leak claim in the last 2 years?
    Always proactively check for leaks. Look for areas of moisture or mould. Flaking paint or wallpaper can be a sign of damp, as can black, speckled marks on skirting and sills.

  5. Have you ever had your appliances inspected?
    If you have, that’s great. Check underneath sinks and around dishwashers and washing machines. Ideally, your appliances should be inspected by a certified technician every two years. If you do notice a leaky appliance, shut off your water valve and call in a plumber or technician right away.

  6. Are your water pipes properly prepared for winter?
    Protect your pipes from freezing. Exposed pipes should always be properly insulated. Snap-on pipe insulation is cheap and effective. Add further insulation to basements and crawl spaces to help raise the minimum temperature in those areas.

  7. Which appliance is most likely to leak?
    You may think your water heater is the most likely candidate for a water leak but, in fact, it’s your actual plumbing supply system (and not individual appliances) which poses the greatest risk of leaks.

Contact your Chubb representative today and take some serious steps to protect your home against water damage.

We are Chubb. Expert insurers of your most valued possessions.

All content in this material is for general information purposes only. It does not constitute personal advice or a recommendation to any individual or business of any product or service. Please refer to the policy documentation issued for full terms and conditions of coverage.

Chubb European Group SE (CEG).  Operating in the UK through a branch based at 100 Leadenhall Street, London EC3A 3BP.  Risks falling within the European Economic Area are underwritten by CEG which is governed by the provisions of the French insurance code.  Registered company number: 450 327 374 RCS Nanterre.  Registered office: La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 92400 Courbevoie, France. Fully paid share capital of €896,176,662. 

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