Skip to content

Escape of water

Water damage can cause significant disruption and inconvenience, often meaning you are unable to undertake your normal activities and mission goals. Small leaks can lead to significant damage to walls, ceilings, floors, electrics and contents if not remedied swiftly.

We have investigated the causes of escape of water losses suffered by our church customers in 2018 and identified some simple low cost actions you can take to reduce your risk of a loss. 

  • Regularly inspect cold water tanks and pipework to support the early detection of any leaks. This should be done by a competent plumber, such as a member of the Association of Plumbing and Heating Contractors or the Chartered Institute of Plumbing and Heating Engineers.
  • Check for running overflow pipes, indicative of plumbing faults.
  • Radiator valves and joints should be checked for signs of rust and wear and tear.
  • Check appliances, such as dishwashers, especially hose connectors. If a leak is detected, isolate the water supply and arrange repairs.
  • Repair leaking taps by fitting new washers.
  • A programme should be in place to clear roof gutters and valleys of vegetation, leaves and other debris every six months.
  • Maintain an adequate level of heating (minimum 5ºC) to reduce the risk of water pipes and tanks freezing. Heating systems should be regularly serviced.
  • Where adequate heating cannot be maintained, or in unheated areas, water pipes and tanks should be adequately lagged or fitted with trace heating where possible. Install frost stats and thermostats if not already in place.
  • A significant number of escape of water losses occur in unoccupied buildings. If buildings are going to be unoccupied for a lengthy period of time, ensure you turn off the water supply and drain the water system.
  • Ensure stopcocks are in working order, can be turned on and off safely and that all relevant people know their location. Consider labelling the stopcock so it is easy to find.
  • Consider the installation of water leak detection systems that can raise an alert in the event of a leak and can also be used to isolate the water supply, reducing the amount of damage to the property. 
  • If pipework does freeze, isolate the pipe by closing the stopcock on the feed from the tank or main. If possible, drain down the water system by opening taps inside the property.
  • Never use blowlamps or any form of naked flame to thaw a frozen pipe. Before you start to thaw the system, do what you can to protect or remove contents which might be damaged by thawing water running from a burst.
  • Ensure emergency call out numbers of heating engineers, plumbers and Insurers are available.
It is important you report all incidents that are likely to give rise to claim so we can support you at the earliest opportunity. By taking these recommended steps we can reduce the risks of incidents of this type occurring. Damage by water can cause in some cases irreparable damage to historic buildings.
Talk to our team on 0345 070 2223
The Baptist Insurance Company PLC (BIC) Reg. No. 83597. Registered in England at Beaufort House, Brunswick Road, Gloucester, GL1 1JZ. The Baptist Insurance Company PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, Firm Reference Number 202032.