Gradual damage is an issue that many property owners encounter, but it’s also one of the least understood when it comes to insurance coverage. As insurance advisers, we often see confusion around what’s covered, what isn’t, and how to protect your property. In this post, we’ll explore what gradual damage is, how insurance works in these cases, and practical tips to keep your home protected.
WHAT IS GRADUAL DAMAGE?
Gradual damage is damage that occurs slowly over time rather than from an unexpected or sudden event.
Common Examples of Gradual Damage:
- Normal wear and tear of materials.
- Damage from hidden, slow leaks in pipes.
- Mold, rot, or corrosion from moisture exposure over time
Since gradual damage often occurs from delayed or neglecting to keep up with regular maintainance, insurers usually exclude it from standard policies. However, with the right knowledge and care, you can minimize your risks.
DOES MY INSURANCE COVER GRADUAL DAMAGE?
Gradual damage is generally listed as an exclusion in most insurance policies. Insurance is not designed to cover gradual damage. House and content insurance policies are targeted to cover unexpected, accidental and sudden loss events.
If you are unsure whether a particular situation is classified as gradual damage or not, speak to us here at The Insurance Supply Co to clarify with you further what your insurance covers – and whether you need additional protection
COMMON CAUSES OF GRADUAL DAMAGE
- Leaky Pipes: Small leaks that go unnoticed until significant damage occurs.
- Improper Ventilation: Insufficient airflow in areas like basements, bathrooms, or attics can lead to moisture buildup, mold growth and wood rot
- Faulty or Blocked Gutters or Downpipes: Clogged gutters or improperly directed downpipes can cause water to overflow and damage exterior walls, windows, the roof and even foundations.
- Fading and Weathering: Exterior paint, decking, or cladding exposed to sun, rain, and wind can fade or deteriorate and requires ongoing upkeep.
- Rust and Corrosion: Exposure to salt air (in coastal areas) or moisture can gradually cause metal structures or pipes to rust or corrode.
THE IMPORTANCE OF REGULAR MAINTENANCE
Regular maintenance and timely repairs is the most effective way to prevent gradual damage and ensure your insurance remains valid. Policies often require that homeowners take reasonable care of their properties, so neglect could result in denied claims.
Some Simple Maintenance Tips:
- Inspect appliances such as washing machines, dishwashers, and hot water cylinders for leaks or worn hoses.
- Check outdoor taps and hoses for leaks.
- Watch for discolouration or bubbling paint on ceilings and walls to detect hidden leaks.
- Inspect your roof annually for cracked tiles, missing shingles, or rust.
- Clear gutter drains of leaves, dirt and obstructions
- Trim overhanging tree branches to prevent damage to the roof or clogged gutters.
- Repaint exterior walls to maintain weatherproof protection.
- Use ventilation and dehumidifiers to reduce humidity and prevent mold growth
- Re-grout tiles throughout your property when needed and repair worn silicone seals around showers and bathtubs.
Gradual damage may be a common challenge, but it’s also largely preventable. With regular maintenance, a clear understanding of your insurance policy and our expert guidance, you can minimise the risks and ensure your property is well protected.
Have any questions about your insurance coverage? Contact The Insurance Supply Co today!
