Damp can be a serious issue for homeowners, causing damage to walls, ceilings, and even the structural integrity of a property. If you’ve discovered damp in your home, you may be wondering whether your insurance policy covers the cost of repairs. In this guide, we’ll explore whether you can claim on insurance for damp-related issues and why getting a professional inspection from Go2 Property Services is the best course of action.
Does Home Insurance Cover Damp?
In most cases, standard home insurance policies in the UK do not cover damp unless it has been caused by an insured event, such as flooding, storm damage, or a burst pipe. Insurers typically view damp as a maintenance issue rather than accidental damage, meaning homeowners are responsible for preventing and addressing it before it becomes severe.
However, there are some circumstances where you might be able to claim, including:
- Escape of Water – If damp results from a leaking pipe, and you have escape of water cover, you may be able to claim.
- Flooding or Storm Damage – If heavy rainfall or flooding has led to damp or water ingress, your policy may provide coverage.
- Structural Defects – In rare cases, if your home develops damp due to a structural defect covered by your policy, you may be eligible for a claim.
Why You Need a Professional Damp Inspection
Before making an insurance claim, it’s essential to determine the root cause of the damp. A professional damp survey from Go2 Property Services will help assess the extent of the problem and identify whether it was caused by an insurable event or underlying maintenance issues.
Benefits of a Professional Damp Survey:
- Identifies the source of damp (leaks, poor ventilation, or structural issues)
- Provides expert recommendations for treatment and prevention
- Offers a detailed report that may support an insurance claim
What to Do If Your Insurance Won’t Cover Damp
If your insurer denies your claim, don’t worry—there are still solutions available. Go2 Property Services can help you address damp problems efficiently, offering expert advice on treatments, repairs, and long-term prevention.
Steps to Take:
- Book a Damp Survey – Get an expert assessment to understand the extent of the issue.
- Improve Ventilation – Poor airflow can contribute to damp buildup.
- Fix Any Leaks – Repair leaking pipes, roofs, or gutters to prevent further moisture.
- Apply Damp-Proofing Solutions – Use treatments such as damp-proof membranes, sealants, or specialist coatings.
Get Expert Advice Today
If you’re dealing with damp in your home, don’t wait for it to worsen. Contact Go2 Property Services for a professional damp survey and expert guidance on your next steps. Whether your insurance covers the issue or not, our team is here to help with effective solutions to keep your property safe and dry.
Book your damp inspection with Go2 Property Services today!
