Apart from claims associated to accidental loss or damage to household belongings, insurance claims arising from Escape of Water have emerged as the most frequent of claims reported by homeowners under their home insurance policies.

Go Compare’s survey reveals that incidents involving an Escape of Water constitute to over 25% of all home insurance claims. Staggeringly, this means that there were 19,749 claims filed for Escape of Water in the past year.

The Association of British Insurers (ABI) have released statistics that coincide with the rise in Escape of Water claims, finding that around £1.8 million paid out by insurers on a daily basis on Escape of Water claims. Furthermore, the severity of Escape of Water claims seems to be on the rise, perhaps due to the increase of extreme weather events and a possible link to climate change.


paid out last year


claims filed last year


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Escape of Water Claim

High-rise apartment buildings on Escape of Water claims

The consequences of an Escape of Water when the source of the problem is not easy to find, can further complicate efforts to mitigate extensive damage. In the context of residential apartment blocks, identifying the origins can be challenging, especially in large complexes where communal pipework or individual apartment plumbing may be the culprit. This situation becomes even more difficult in high-rise apartment buildings, where a single Escape of Water incident can potentially impact multiple units.

For both residential and commercial policyholders, here are a few preventative measures:

At the outset of purchasing your insurance policy, make sure the information you provide is fully comprehensive, including age, prior plumbing modifications, and boiler servicing history, aiding risk assessment and coverage determination.

Consider insulating pipes to mitigate cold weather-related risks and promptly address even minor issues. Be aware of potential coverage exclusions related to poor maintenance.

Make sure contractor work is overseen and monitored to ensure that the work is carried out to an appropriate standard.

Frequent property inspections can proactively identify issues related to workmanship, wear and tear, and potential Escape of Water triggers.

Finally, an investment in quality repairs. In the aftermath of an Escape of Water, the repair process should prioritise high-quality materials and skilled workmanship by qualified professionals.

Get support on your Escape of Water insurance claim

How we support you on an
Escape of Water claim

A member of the Aspray claims team will take some details of the property damage and details of your insurance claim if you have logged a claim. Next, our team will arrange for a Loss Assessor to visit your premises at time to suit you. 

Property damage and
repair report

Review and sign the mandate instruction authorising Aspray to manage the claim on your behalf. In addition, we will assess the property damage to determine if you have a valid insurance claim and contact your insurer to get the ball rolling.

Aspray manage your
insurance claim

From here, your Aspray Loss Assessor will deal with all communications relating to your insurance claim. Therefore, you won’t need to handle onsite meetings with necessary specialists or representatives of the insurer.

Negotiation with
your insurer

Aspray will negotiate the insurance claim to achieve the best possible outcome on your behalf as quickly as possible. Having  Aspray on your side, means that we will chase and aim to progress the claim as quickly as possible. 

Settlement and
excess paid

The settlement will be agreed, and your dedicated Loss Assessor will meet with you to discuss the agreed works. They will also collect your excess payment and agree a convenient date for works to commence.

Fully vetted
contractors assigned

The appropriate contractors will be instructed to carry out the reinstatement works at your property.  Some elements of the works may be undertaken by the Loss Assessor personally. 

Project manage
the repair works

Reinstatement works will commence on the pre-agreed date, and your dedicated Loss Assessor will project manage these works to completion. Meanwhile, Aspray will update you on project timescales.

Sign off
and feedback

Your feedback and satisfaction are of paramount importance to us, therefore, we will meet you onsite, where applicable, to inspect and sign off on the completed works. 

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