In light of the recent severe weather warnings for the weekend, the Irish Insurance Federation (IIF) has advised householders on steps to take to minimise the risk of damage from burst pipes.

Michael Horan, Non-Life Manager, IIF said, “In January this year freezing weather conditions caused unprecedented nationwide damage to homes and businesses so we are urging householders and business owners to take precautionary steps to avoid freeze related property damage.”

To avoid water pipes and tanks freezing, the insurers say:

• Keep your home well heated and leave the loft/hatch door open; 
• If you are going away for the weekend, turn off the water at the mains and drain the cold water system – alternatively leave the heating on low constantly with the loft/hatch door open;
• Protect pipes from freezing by insulating exposed pipes, but leave the underside of attic tanks unlagged to ensure that rising heat can reach them.

If a pipe or tank DOES burst, you should turn off the mains water supply immediately and have emergency repairs carried out as soon as possible to minimise the damage.  Householders should make sure they know where the water mains supply valve is located. 

In the unfortunate event of your home being affected by the freeze it is worth noting that:

• Standard household buildings and contents insurance generally covers damage caused by burst pipes, but some policies may not pay for claims if the house is unoccupied for prolonged periods unless basic precautions are taken;
• Insurers will usually pay for the cost of temporary repairs to prevent further damage, so ensure that you keep receipts;
• Insurers will also pay for the cost of alternative accommodation (up to stated limits), if the home is uninhabitable;

If your home sustains damage you should check your policy cover immediately and contact your insurer or broker as quickly as possible.