Understanding Water-Related Damages and Insurance Coverage

Water-related damages can be a significant concern for property owners. However, not all damages are covered under insurance policies. Below are some common types of water-related damages that are typically excluded from coverage, along with essential information for filing claims.

It’s important to remember that insurance covers unforeseen events, not long-term damage or wear and tear.

Common Exclusions in Water-Related Damages

1. Gradual Water Penetration: Damage resulting from prolonged water penetration due to failing waterproofing systems is usually not covered.
2. Worn Waterproofing: Any issues arising from failed or worn waterproofing materials fall outside the scope of coverage.
3. Rain-Induced Damage: Damage that occurs during rain due to leaking balconies from upper units is generally not claimable, especially if this has occurred over time.
4. Ceiling Damage from Internal Leaks: Damage to ceilings caused by leaks from bath traps or showers in the unit above, which have developed over time, is typically excluded.
5. Corroded Pipes: Damage to old, rusty, or leaking pipes, especially those with pinholes, is often deemed as wear and tear.
6. Non-Bursting Leaks: Leaking pipes that do not result from bursting, such as waste or drainpipes not under pressure, are generally not covered.
7. Cracks in Walls and Tiles: Cracks that appear in walls or tiles without a clear claimable event are excluded from coverage.
8. Damp Issues: Damage caused by dampness, seeping water, or mold resulting from leaking pipes or corroded pipes is typically not covered.
9. Improperly Sealed Areas: Damage caused by rainwater due to windowsills that are not adequately waterproofed is not eligible for claims.
10. Poor Workmanship: Any damage resulting from substandard workmanship during construction or repairs is generally excluded.

Submitting Claims for Water-Related Damages

If you encounter water-related damage that you believe is claimable, it’s crucial to provide comprehensive documentation to support your claim. Include the following:

• Damages Report: A detailed report indicating the cause of damage, which can be provided by the contractor on their invoice or quote.
• Repair Quotations: Obtain quotations for the necessary repairs from reputable suppliers or contractors, clearly outlining the scope of work and quantities involved.
• Photographic Evidence: Provide clear photographs documenting the extent of the damages.
• Claim Form: Ensure that a properly completed claim form accompanies your submission.
• Additional Information: Any other relevant information that could aid in processing your claim should also be included.

By submitting all required documents and information upfront, you can help expedite the claims process and reduce the likelihood of delays or inquiries.

If you have any questions regarding your coverage or need assistance with a claim, please reach out to the ANGOR Team for support on insurance@angor.co.za.