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Millions lost through escape-of-water damage

 

Figures released by insurance business Legal & General reveals that house insurance claims from damage caused by the escape of water in UK homes cost the insurance industry £730 million in 2010. This is nearly double the cost of burglary claims over the same period, says the firm, which amounted to £370 million. 

 

Legal & General has launched a ‘Stop the Drop’ campaign to highlight to homeowners and those renting the likely risk and the extent of damage that can be caused by the escape of water. Raising awareness of the damage that water leaks can cause and the preventative measures that may be taken, will hopefully lessen the risk and so reduce the number of water leak incidents that happen in the future.

 

The Association of British Insurers (ABI) reported that last year over 370,000 people made insurance claims for damage from an escape of water, with the average claim being just under £2,000. Legal & General’s own figures reveal a dramatic increase in claims for damage from frozen pipes, up from 1.3% of overall claims in 2009 to 6.5% in 2010 and some of these claims were for damage that was more than £10,000.

 

Legal & General has calculated that the increase in escape-of-water claims currently adds £54 on average to every household insurance premium in the UK. The firm suggests, if the industry could work together to cut the number of claims by half, this could potentially result in a saving in claims costs of £365 million a year. This cost saving could then be reflected in customers’ house insurance premiums in the future. 

 

Malcolm Cooper, director for Legal & General’s general insurance business, said: “People understand that they need to get their boilers serviced annually, for example, afraid that they may be without their heating in winter. But they are a lot less likely to think about and do a few simple checks to help prevent or limit the risk of an escape of water happening in their home. We need to create greater understanding of the risk all UK homes face so that carrying out checks, such as pulling the dishwasher or washing machine out from its usual position to make sure all the connections are in good condition, is common practice.

 

"The risk of a water leak increases during the freezing conditions in the winter months, homeowner’s need to take action now. If pipes freeze and burst, the damage caused can leave a home without heating or hot water and the experience can be extremely stressful and costly.”

Source HVP Magazine 27/10/2011

 

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Why is Leak Mate for the Plumber, Electrician, Joiner, Builder, Decorator and DIY Enthusiast?

 

 Let’s picture it, you have put a heating system in and filled it up cold, you fire up the boiler and the system is

plumbing_repair_tool_small_image

getting hot with rising pressure and temperature, a fitting starts leaking, The time it takes to drain the system down, is enough time to cause damage to the customer’s home, you put a bowl under the pipe to catch the water only to find you can’t get it out again, it’s messy and worrying and the last thing one wants is an insurance claim, or to reduce your bill because of damage caused by the leak.

 

 Leak Mate is a unique reusable tool that will stop leaks

in seconds allowing time to safely drain the system.

the leak mate has three seals for different water leak sizes

The tool is supplied with reusable 10 15 & 22mm seals that have a recessed step moulded in every seal to fit copper fittings.

 

Leak Mate also seals split pipes and holed pipes whether plastic or copper up to 10 Bar. The product has been field tested by a plumbing company over the last 2 yrs.

 

Leak Mate is an essential tool for all Tradesmen and homeowners as a temporary fix allowing minimum disruption.

 

The Leak will need to be fixed at a more convenient time by a qualified plumber. There is no comparable product currently available in the market place. The Leak Mate Tool provides a quick easy solution to a variety of sizes of leaking pipe and fittings and the tool is re-usable time and time again.

Other products on the market include:

 

  • Pipe Clamps ~ Only fit one size, these are metal clamps which fit either side of the pipe and are bolted together using nuts and bolts. This is a time consuming process and is extremely fiddly to fit. The longer the process to fit, the more water is escaping and causing damage to the surrounding areas.
  •  

  • Freeze sprays ~ the damaged pipes are sprayed with a specialist spray which creates an ice plug in the pipe within about 10 minutes and lasts for up to 30 minutes. Obviously the spray is not re-usable and considerable damage can be done to the surrounding area in the 10 minutes required to freeze the pipes. If the repair cannot be actioned within the 30 minutes, the water will again start leaking. Freezing pipes can also cause problems with expansion of pipes resulting in problems. It is difficult to freeze the pipes if water is running through them at the time; this is not a problem for

     

  • Epoxy Putty ~ First you have to turn the water off; this is not a WRAS approved product for use with domestic drinking water pipes. It is also ineffective where there is water pressure in the pipeline and it is not re-usable. The pipes need to be cleaned prior to application and it can take some time for the product to set to prevent the leak.
  •  

  • Fusion tape / amalgamation tape ~ space is required around the pipe in order to pass the tape around the pipe work. It is difficult to fit correctly and is very time consuming. More often it is the case that the leak starts to seep through the tape and the product is not re-usable.
  •  

    When compared to the above, the Leak Mate Tool is inexpensive, quick and easy to use and is fully

    re-usable. When using the Leak Mate Tool it is possible to fit it without physically touching the pipe,

    this is extremely useful if working on hot water pipes or if there is an electrical charge running down

    the pipe for any reason. No other tools are required in order to fit the Leak Mate tool to the leaking

    pipe or fitting. You don’t have to turn the water off or drain the system down to fit a Leak Mate Tool.


    The Leak Mate Difference-Split and Hold Pipes

    The Leak Mate is an invaluable tool for any plumber. As soon as a leaking pipe is identified the reusable tool is attached and the leak stopped, fits10, 15, 22mm pipe. Copper, plastic, lead, tested up to 10 bar - giving you plenty of time to fix the problem.


    New Installations - After a new installation when the water is being switched back on, you need to be ready to pounce on any leaks before damage is done to the customer's property. With a Leak Mate or two in your pocket - any leaks that do appear can be stopped in seconds.


    Late night callouts  - On a late night callout the Leak Mate is invaluable. No mess, no fuss, no noise - just turn up, attach, and back home to bed with a follow-up visit booked for the next day!


    Increase your profits - The Leak Mate is a perfect product to resell to your customers. After saving them £1,000's in insurance claims, they will be queuing up for a Leak Mate for their own toolbox!


    Painters and Decorators – When they remove and refit radiators sometimes they break soldered joints, when they fit ceiling roses and when they hang pictures.


    Electricians-Joiners-Builders – Cut through floorboards, nailing floorboards back down, putting screws through pipes.


    Stockist Enquires Click Here.....

    PINHOLE LEAKS -Internal pitting corrosion of copper pipes is costly problem that leads to the formation of pinhole leaks. Although the factors that cause this problem are mostly unknown, it is well recognized that the chemistry of the water travelling through the pipes can influence the formation and propagation of pits.

    burst pipe

    water_drop_from_leaking_pipePinhole leaks are a major concern to homeowners as they may:

    water_drop_from_leaking_pipeBe costly, given the effort required to find and repair each leak.

    water_drop_from_leaking_pipeResult in highly variable amounts of water damage per occurrence.

    water_drop_from_leaking_pipeLead to loss of water resources from undetected leaks in service laterals.

    water_drop_from_leaking_pipeLead to growth of mold and mildew.

    water_drop_from_leaking_pipeResult in higher premiums for or cancellation of homeowner insurance.

     

    There is also a legitimate concern for consumers that one leak might soon follow another. Insurance companies often raise premiums or simply do not renew policies, and homeowners distraught over leaks can reach the point they do not feel comfortable leaving the house without first turning off the water.

     

    What is a Pinhole Leak?
    A pinhole leak is a final breakthrough event of the progressive attack of pitting corrosion on copper water plumbing. A copper water plumbing system can be in a condition of having significant damage by pitting corrosion, but not have pinhole leaks. The challenge is how to discover pitting corrosion before pinhole leaks develop.

     

    How Many Homes are affected?
    There is no comprehensive source of information on the occurrence of pinhole leaks. Many utilities and water authorities have collected thousands of reports, submitted voluntarily by residents who have experienced pinhole leaks. Often, homeowners consider pinhole leaks as a plumbing problem, and do not report them to their water utility.

     

    Brown or discoloured water, low water flow hot or warm spots in the floor, soaked carpeting, ceilings or walls and abnormally high water bills are all signs of failing pipes.

     

    A number of factors can work alone or in combination to affect the rate of corrosion in any piping system.

    Depending on the number and degree of these factors, even a new piping system can show signs of corrosive wear in as few as two years after installation. The problems are most acute in properties that have been in service 15 years or more, however.

     

    The corrosive effect the source water can have on a piping system does not mean water quality is poor, in fact even those areas where the drinking water has been rated among the best in the country.

    As an example, water still has a very corrosive effect on piping systems because of several factors unrelated to water quality:

    water_drop_from_leaking_pipeWater chemistry.

    water_drop_from_leaking_pipeThe pH of the water.

    water_drop_from_leaking_pipeThe amount of oxygen in the water.

    water_drop_from_leaking_pipeThe temperature of the water.

    water_drop_from_leaking_pipeThe velocity/pressure of the water in the pipe.

     

    The rate of corrosion can also be affected by the chemical makeup of the water and the amount of galvanic corrosion from the use of different metals in or in contact with the piping system. 

     

    Let's take a closer look at the most common cause of corrosion of piping systems.

     

    The pH Of the Water
    Acidity of a water sample is measured on a pH scale, which ranges from zero (maximum acidity) to 14 (maximum alkalinity). The middle of the scale, 7, represents the neutral point, and acidity increases from neutral toward 0, while alkalinity increases from 7 to 14. 

    This is all pretty straightforward, except that the pH scale is based on logarithmic progression, much like the commonly used "Richter" scale for earthquake measurement. This means that a difference of one pH unit represents a tenfold change in acidity. 

    In copper pipe systems, when the pH is more than 8, a copper oxide film usually forms on the pipe walls. This film acts as a barrier that slows the affects of corrosion. However, when the pH in the water supply is lower than 8 the copper oxide film (barrier) is dissolved, which leaves no protective barrier and subjecting the pipe to the corrosive action of the water. The ultimate result? Pinhole leaks that can damage walls, flooring and structural components.

     

    Oxygen and Water Temperature
    A domestic water system is an "open" system, in which the water in use is always being replenished with fresh, oxygenated water. Dissolved air in water consists of about 30% oxygen and the rest is mostly non-corrosive nitrogen. 

    Oxygen, however, degrades metals through an electro-chemical process of internal oxidation. As a result, the metal gradually gets converted to an oxide (rust) and becomes thinner and weaker in the process. As the pipe corrodes, the impurities are deposited in the water lines and encrusted build up is the direct result of this oxidation process.

     

    As for water temperature, the higher the water temperature, the faster the rate at which this oxidation occurs. While oxygen content decreases under higher water temperature pressure, these higher temperatures and pressure conditions can actually accelerate the oxidation process. Experience shows that corrosion is more pronounced in hot water lines than in cold water lines.

     

    Water Velocity
    Water velocity problems are usually associated with a "closed loop" piping system in which it's necessary to pump or circulate the water.

    Erosion corrosion occurs at locations where water turbulence develops, usually caused by excessive velocity. This is typically encountered when water makes sudden changes in direction (such as sharp pipe turns and elbows) and through "flow" obstacles such as burrs and excess solder from improperly soldered joints.

     

    Other major contributing factors to this type of erosion corrosion include oversized circulation pumps, installation of undersized distribution lines and an improperly balanced system.

    Repair Options

     

    Currently, homeowners have several options from which to choose. However, none of the options address the root cause of the problem; they simply try to correct the symptoms. Most of the options are also costly.

    These options include

    water_drop_from_leaking_pipeFixing the leak by application of external solder.

    water_drop_from_leaking_pipeReplacing a small or larger section of tube.

    water_drop_from_leaking_pipeRe-plumbing the entire house
    (However, even a complete re-plumb with new copper tubing does not guarantee that the problem will not recur after a period of time.) 

    water_drop_from_leaking_pipeRe-plumbing and replacing copper with PVC or CPVC.

    water_drop_from_leaking_pipeCoat the inside of existing pipes with epoxy. 

    water_drop_from_leaking_pipePurchasing potential cures (of questionable value), such as magnets.

     

    The cause and effect of the corrosion must first be identified so the appropriate repair is made. In almost every case, using one or more traditional repair methods involves tearing out walls and pipes and repairing or replacing them. Plus, in the case of chemical flushing, powerful chemical agents must be used.

     

    These traditional methods of repair are expensive in their own right - but they're even more costly because of the amount of associated "civil work" that must be done (i.e., wall, tile and ceiling repair that is needed after accessing pipes behind walls and ceilings.)

     

    These more traditional methods of repairing the piping system usually result in closing entire sections of buildings for extended periods. In revenue-generating properties such as hotels and motels, rooms not available for use result in a direct revenue loss, not to mention the inconvenience to staff and guests in other areas of the facility.

     

    And, after all of the painful and costly experience of making repairs, unless the causes of corrosion have been properly identified and corrected, corrosion of the system starts again as soon as the water is turned back on.

    Contrary to popular belief copper water piping doesn't last forever. In its original design criteria, copper piping was projected to last for 20-25 years, but failure can often occur in as little as two years due to water chemistry.

     

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