Escape of water is one of the most frequent claims seen by village hall insurers. By taking a few simple steps now, your organisation can reduce the risk, protect your property, and avoid unnecessary stress and expense later.
Why Prevention Matters
Water damage can be disruptive, costly, and stressful. While your insurance policy is there to support you, repeated or significant claims may lead to increased premiums or higher excesses. Prevention is not only better than cure—it’s often far more affordable and less time-consuming.
Six Practical Ways to Prevent Escape of Water
1 – Inspect Plumbing Regularly for Leaks or Corrosion
Routine checks help catch problems early. Concealed pipework—especially in older or refurbished halls—can hide leaks until serious damage occurs.
Action points:
• Schedule annual professional plumbing inspections.
• Carry out monthly visual checks of exposed pipework.
• Look for damp patches, rust, or discolouration on walls and ceilings.
2 – Insulate Pipes in Lofts and Cold Areas; Run Heating Occasionally
Frozen pipes are a leading cause of escape of water damage in winter. Insulation and occasional heating help prevent freezing and bursting.
Action points:
• Fit foam lagging to exposed pipes in lofts, basements, and external walls.
• Maintain a minimum temperature in the building, especially overnight.
• If the hall is unused for long periods, consider draining the system or using frost protection settings on boilers.
3 – Check Seals Around Baths, Showers, and Sinks
Worn sealant can allow water to seep into floors and walls, causing hidden damage.
Action points:
• Inspect seals in all wet areas every few months.
• Replace cracked, mouldy, or peeling sealant promptly.
• Use waterproof silicone sealant rated for bathrooms and kitchens.
4 – Know Your Stopcock and Test It
In an emergency, knowing how to shut off the water quickly can prevent extensive damage.
Action points:
• Locate and clearly label the stopcock.
• Test it regularly to ensure it turns easily.
• Make sure all committee members and regular users know where it is and how to operate it.
5 – Fix Small Leaks Early
Minor drips can lead to rot, mould, and structural issues if ignored.
Action points:
• Log and repair issues promptly.
• Keep basic plumbing supplies on hand for temporary fixes.
• Record maintenance actions to track recurring problems.
6 – Consider Leak Detectors That Shut Off Water Automatically
Technology can help protect unattended buildings.
Action points:
• Install smart leak detectors in high-risk areas like kitchens and toilets.
• Choose systems that alert you remotely or shut off water automatically.
• Some insurers may offer support or discounts for installing these systems.
What to Do If a Leak Occurs
Despite best efforts, leaks can still happen. Here’s what to do:
1 – Turn Off the Water at the Stopcock
Immediate action limits further damage.
2 – Switch Off Electricity in Affected Areas —Only If It’s Safe to Do So
Safety first—especially if water has reached sockets or appliances.
If it is safe and dry, turn off the electricity at the consumer unit (fuse box).
3 – Ventilate the Space
Open windows and use fans or dehumidifiers to prevent mould.
4 – Document the Damage
Take clear photos and videos of affected areas and damaged items.
5 – Contact Your Insurer Promptly
Your insurer will guide you through the claims process. Delays can affect your cover or settlement.
