Damp can cause serious damage to your home. If left unchecked for long periods of time, it has the potential to cause lasting structural damage to a property.
Damp issues need to be dealt with rapidly. If you’ve noticed problems in your home, you might be wondering: does home insurance cover damp?
The short answer to that question is generally no, but this depends on the type of home insurance you have. In this article, we explain why home insurance often doesn’t cover damp, and how much you might expect to pay to fix damp issues.
Does Home Insurance Cover Damp?
Home insurance is a necessary protection for any household. Unfortunately there are limits as to what your average policy covers. Here at Atlantis Damp we’re often asked, ‘does home insurance cover damp?’ This depends on the terms and conditions of your home insurance policy, but in most cases the answer is no.
Home insurance is designed to cover unexpected damage to a property. While damp might, at first glance, seem to fall into this bracket (particularly if you discover a damp problem out of the blue, which is often the case), home insurance providers generally consider the issue of damp to be one of maintenance.
Do You Need to Let Your Home Insurance Know If Your Property Has a Damp Problem?
Damp problems caused by rising damp, penetrating damp or condensation will usually be classed as ‘wear and tear’. This means that the onus is on the property owner to ensure that their property is damp-proofed, as damp problems are often caused over time and are due to a deterioration of the property’s damp protections.
However, you should make your home insurer aware of any existing damp problems before taking out a policy, and if damp problems arise it’s worth talking to them anyway. In certain circumstances, if you have either a specialist insurance policy or if a damp problem can be proven to have been caused by some sudden or unexpected event (such as a flood, or leak), you may be covered.
How Much Does It Cost to Fix Damp When Your Home Insurance Won’t Cover It?
The cost to fix a damp problem varies considerably from one home to the next. The sooner you notice a damp problem, the easier (and cheaper) it will be to fix.
If you believe you have a damp issue, we recommend booking a professional survey. This will identify the type of damp causing the problem, the extent of the damp problem and offer an estimate of costs.
Contact Atlantis Damp for More Information on Damp Problems in the Home
Identifying damp early can help you remove the problem before it causes serious damage to your property. This is particularly important when we consider that home insurance rarely covers damage caused by damp.
If you believe there might be damp in your home, our expert team is here to help. Our family-run business can assist with problems arising from all forms of damp in the home, and we can provide damp-proofing solutions that ensure your house is well protected in the future. Contact Atlantis Damp today for more information.