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#Limited hidden water damage travelers for free
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If you, your tenants or property manager, notice something broken, a funny smell, the sound of a drip or something unusual like a stain or patch of mould on the ceiling, get it sorted quickly before it causes any further damage.We are an independent, advertising-supported comparison service. Keeping your property in good nick is part of the conditions of your insurance, and it really does save you time and money in the long run. Gradual damage is a common exclusion in home insurance cover, so it’s important to make sure you are properly maintaining your home or investment property and picking up on tell-tale signs. The benefit offers a contribution of up to $2,000 if your home sustains gradual damage from a leaky water pipe forming part of a heating, water reticulation, or plumbing system, a water storage tank or waste disposal unit and if the damage could not have been discovered immediately. You will only be covered for this type of gradual damage if certain conditions are met, so it’s important that you read your policy wording thoroughly to understand the details of your cover.Īt AA Insurance, our customers are covered for this damage under our ‘ Hidden water damage’ benefit. This will be paid in the form of a contribution by your insurer towards the total cost of the damage.
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The claim is not normally covered in full and your policy document will state how much you are covered for.
Some insurance providers offer a benefit that contributes towards the costs of gradual damage, but it often only applies if the damage was the result of a leaking internal pipe or waste disposal pipe that a homeowner could not have seen. In this case, the storm damage would typically be covered, but the subsequent damage to the framing would be considered gradual damage and, therefore, would not be covered by insurance. Rebecca’s roof was damaged in a storm, but she didn’t notice the damage until water started leaking into the bedroom upstairs, by which point the timber framing of her house was affected by rot. Sudden damage, if not acted upon, can sometimes lead to gradual damage. As the damage to the ceiling happened over time, Robert was not covered under his insurance policy due to the gradual damage exclusion. This is when Robert realised that the sealant around the shower was coming loose, allowing water to seep into the floor and ceiling below. A few weeks later, the paint started peeling off the ceiling in the room below. He uses the shower every day and, one day, he noticed the floor in the bathroom became a bit squishy after his shower. Robert hasn’t renovated the bathroom since he bought his house ten years ago. As Michael’s insurance policy excluded gradual damage, he wasn’t covered for the damage.Īnother common example of gradual damage is a leaking shower tray. The bath had been leaking for a while, causing the wooden flooring in the bathroom to deteriorate over time, constituting gradual damage.
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A few weeks after that, he spotted a hairline crack in his bathtub, which was where the water was escaping from. A few weeks later, he ran a bath and heard a dripping noise in the bathroom, which he thought was coming from the tap. Michael noticed that a puddle of water was regularly forming on the wooden flooring in his bathroom after he used the bath. Gradual damage may not be covered by your home or contents policies, and includes but is not limited to wear and tear, corrosion, rot and mildew. Sometimes the results of gradual damage may feel sudden, even though the damage has been getting worse over time.įor example, if your wooden fence is blown over in a storm, this could be covered by your insurance as it happened suddenly, but if your wooden fence fell because it has been gradually rotting over time, then this might not be covered by insurance. Some gradual damage is hidden, so it isn’t easy to spot. Gradual damage is deterioration to property caused over time. Let’s take a closer look at what is meant by the term ‘gradual damage’. Because the damage isn’t sudden - even if the discovery is - it is generally not covered by insurance. Gradual damage is deterioration that happens over time, like wear and tear. Insurance policies are designed to cover you for sudden, accidental and unforeseen damage or loss.
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