Efficient plumbing is something that we often take for granted until it goes wrong. If you have ever been unfortunate enough to have a leak in your bathroom you’ll know just how much mess and disruption a leak can cause. However, the real cost of a leak in the bathroom can be a lot more than you might think.
Maintaining an efficient plumbing system and knowing your insurance policy inside out can make a huge difference should any issues arise. Here is a guide to help you prevent your bathroom and wallet from such disaster.
But I have Insurance?
Many homeowners assume that their household insurance will cover any leaks, should they happen.The event of a very bad leak can come as a big shock for many homeowners. They may not be as adequately covered by their home insurance policy as they may have thought. Water damage is one of the things most claimed for on household insurance policies. Because water damage can be quite extensive the sums involved can be considerable. Prevention is better than cure, and maintaining an efficient plumbing system can save you both time and money in the long run.
Insurance companies have the tendency to avoid paying out wherever they can. If a leak is caused by a lack of sufficient sealant around the side of the bath for example, your insurance company can refuse to pay out on your claim. There are cases where damage caused by leaking pipes is put down to wear and tear, rather than a mild disaster. Always read your policy carefully, and make sure you are fully aware of what you are covered for, and what any exclusions are.
The True Cost of Water Damage
The true cost of water damage to your property after a leak in your bathroom can vary hugely. It depends on how extensive the leak has been, and what has become damaged. For example, if a leak that goes right through and damages the ceiling below, the ceiling may have to be re plastered and redecorated which will be more costly.
Minimising Costs from Bathroom Leaks
If you discover a dripping tap or a damp smell in your bathroom do not ignore it. It is important to know where your main stopcock is, and more importantly to know how to turn it off. Repairing small plumbing problems before they transpire into a bigger problem, can save you a fortune in the long run.
As soon as you notice a leak turn the stop cock off which will halt the flow of water and prevent things from getting worse, then call a plumber. For advice on finding a reliable plumber check out our ‘How to Choose a Reliable Plumber’ article.