Does Your Insurance Cover Early Leak Detection, and Gradual Home Moisture Damage?

Are you aware that your home insurance may cover any claims for moisture & leak damage if detected early in your home?

The following info is the exact reason why you should get an annual infrared moisture inspection in your home. Many home owners aren’t even aware of what the fine print in their home insurance policy actually stipulates in relation to damage by moisture & leaks. You could be in for a pleasant suprise…

The following is a word-for-word extract of policy wording from one of the larger NZ insurance companies in relation to leaks in your home:

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” Gradual Damage: We pay for gradual damage or mildrew or mould or rot caused by water which accidentally leaks or overflows or is discharged from any of these installed at the situation:

What is covered:

1) internal water pipe or internal waste disposal pipe

2) bath, shower, basin, sink, toilet, cistern, bidet, internal water tank;

provided that action is taken to minimise the loss, and prevent any further loss, as soon as any leakage or overflow or discharge or any resulting gradual damage or mildew or mould or rot is apparent.

What is not covered:

We do not pay for gradual damage or mildew or mould or rot:

1) to any water tank, cistern, swimming pool or spa pool; or

2) which could have reasonably been discovered at the time you purchased the house.

What we pay:

We pay the reasonable cost to replace or repair any of these:

1) the part of the house directly affected;

2) any other part of the house which is not directly affected but which must be removed or damaged or destroyed to locate the cause, provided that we have first given our approval.

The most that we pay in total for all costs connected with any loss (or any series of losses which originate from one event) is $5000 (including GST)“

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The key phrase above is “provided action is taken to minimise the loss“

Insurance claims for leaks: If you suspect a leak in any area of your home, get onto it early and you could be covered. We can provide you with a written report of any potential moisture defects found in your home, including photos of moisture readings.

Call for a home moisture check up quote today!

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Client Comments... (All testimonials can be verified as true and correct... updated for 2010)

I enlisted Dean’s services 2 days prior to “D-day” of us purchasing our first NZ home. Dean proved to be an extremely efficient and knowledgeable technician. He has a very good understanding not only of his specific field, but also of general building requirements. He was easily able to spot, and talk me through, existing as well as potential problems, and was very open to answering the myriads of questions I fired his way. Most importantly, he gave me non-biased answers, allowing me to make an objective decision regarding the purchase of a potentially leaky home. Thanks again for excellent service Dean! Simone P - Titirangi

We have lived for some time in an old weather board cottage which we have renovated over a period of years. Recently we discovered a leak, so we googled “find a leak” and found a comprehensive and detailed website of the same name. Next we spoke to Dean and an appointment was made. He was punctual, courteous and his experience was obvious. His thermal imaging equipment is ‘state of the art’ and the source leak was quickly detected.

Dean was able offer practical solutions which we can act on with confidence. As a result of this experience we would recommend the use of his skills before the sale or purchase of any property to be reassured as to the integrity of the property. Dean is personable, a superb communicator and a true professional. Maggie & David M - Waiatarua

Dean was very professional and I would highly recommend anyone that is thinking of buying a property to get thermal testing done. Fortunately it was by pure chance that I even knew these tests were available after speaking to my neighbour and he advising me. The house we were looking at had water leaks and Dean has saved me many thousands of dollars in the long run. David G - West Auckland

Dean is a very professional and friendly guy. He goes step by step through the process which is very valuable. When he finds a potential problem he immediately notified to me and discussed with me in details on what actions could be taken. Anyway no major problems were detected in the property I wanted to purchase. However I greatly advice anyone to obtain Dean's professional service to make sure the property is in a satisfactory condition. Robbie P - Glen Eden

Thank you very much for the great service, very professional and appreciated the time taken to explain the process. Very glad to know that with all the stigma that goes with plaster houses, ours is not a leaky home. The report has helped pin-point some areas for maintenance which we plan to undertake sooner rather than later..Thanks again. Heather M - Maraetai

We were a bit apprehensive about what the leak detection might find, but found Dean’s confident, friendly and very capable approach extremely reassuring. While we were greatly relieved by the findings concerning the exterior of the house, Dean’s thoroughness in looking also for internal issues uncovered a surprise bath leak. Thanks Dean for solving the mysterious odour that’s been bothering us for the last 6 months! We highly recommend Dean to anyone with even the slightest concerns regarding moisture in their homes. Kevin - West Auckland

Thank you Dean for your prompt service. I was given 2 days to have a Building inspection done which found some dampness in the house. It was well worth the money spent as Dean found some other damp issues. He was very thorough and very informative and even though there were issues with the house they were all fixable so I was then able to re negotiate the purchase price. I would recommend anyone buying a house- any type of building structure to have ’Thermo Imaging’ as part of a building inspection. Thank you once again. Maree, Glendowie

We had some concerns about a recently renovation house including a lower basement. Being nosey I popped around to join Dean on his inspection. Apart from enjoying meeting him, Dean was enormously informative, approachable & friendly, I found the technology & information I gleaned fascinating. Fortunately, we identified no significant issues with the property. It gave us great peace of mind & we can enjoy our new home knowing we have bought a dry, water tight property with with hidden surprises. Thank you Dean for your help & reassurance. To my mind it is certainly worth the modest sum versus potential costs you could incur which could also mar one of most expensive purchases of your life.. Diane - Devonport

Read 20 more testimonials Here!