Immediate Actions:

• Turn off the water supply at the mains immediately to prevent further damage
• Switch off electricity at the mains if water is near electrical outlets or appliances
• Move valuables and furniture away from the affected area to prevent damage
• Document the damage with photos and videos for insurance purposes
• Contain the water using towels, buckets, or a wet vacuum if safe to do so

Next Steps:

• Contact a professional plumber immediately
• Notify your insurance company within 24 hours
• Begin drying the area with dehumidifiers and fans
• Monitor for signs of mould development over the following weeks

Visual Warning Signs:

• Dark patches on walls, ceilings, or around windows
• Peeling wallpaper or paint indicating moisture beneath
• Condensation regularly forming on windows or cold surfaces
• Black, green, or brown spots that may indicate mould growth
• Warped or damaged skirting boards or timber

Other Indicators:

• Musty or earthy smell in rooms
• Increased humidity levels (above 60%)
• Cold spots on walls that feel damp to touch
• Respiratory issues or allergies worsening indoors

Before Leaving Property Empty:

• Install leak detection sensors in high-risk areas (kitchens, bathrooms, boilers)
• Turn off water supply at the mains or consider isolation valves
• Drain down the system if property will be vacant for extended periods
• Set heating to a minimum temperature (10-15°C) to prevent frozen pipes
• Arrange regular inspections by a trusted person or property manager

Remote Monitoring:

• Install smart sensors that alert you to leaks, temperature drops, or humidity changes
• Consider automatic shut-off valves for critical protection
• Ensure someone can respond quickly if an alert is triggered

Key Requirements for Landlords:

• 14-day investigation period from tenant notification of damp/mould hazard
• 28-day remediation start for standard hazards (7 days for emergency hazards)
• Written communication to tenants about actions being taken
• Regular inspections to identify issues before tenants complain
• Documentation of all assessments, actions, and communications

Proactive Measures:

• Install environmental monitoring to detect damp conditions early
• Maintain detailed records of all property maintenance
• Educate tenants on ventilation and condensation prevention
• Respond promptly to any tenant concerns about damp or mould

What's Typically Covered:

• Sudden and accidental water damage (e.g., burst pipes)
• Storm damage that causes water ingress
• Overflow from tanks, basins, or toilets
• Escape of water from fixed installations

Common Exclusions:

• Gradual damage or wear and tear
• Lack of maintenance or neglect
• Damage from unoccupied properties (without specialist cover)
• Claims where reasonable precautions weren't taken

How Monitoring Helps:

• Demonstrates you've taken reasonable precautions
• Can reduce insurance premiums
• Provides evidence of when damage occurred
• May improve claim success rates

Winter Precautions:

• Insulate pipes in unheated areas (lofts, garages)
• Maintain minimum heating temperature
• Know location of your stopcock and how to turn it off
• Check for frozen pipes during cold snaps

Autumn Checks:

• Clear gutters and downpipes of leaves and debris
• Check roof for damaged or missing tiles
• Test heating systems before winter
• Inspect window and door seals

Spring/Summer Maintenance:

• Check for signs of damp that developed over winter
• Service air conditioning units
• Inspect external walls for cracks or damage
• Test outdoor taps and irrigation systems