Protect people and prevent further damage
Where safe, take reasonable steps to limit further water damage and record what happened. Seek the insurer’s claims instructions before authorising non-emergency repair work.
Sudden events and gradual conditions are different questions
Policies commonly distinguish an insured sudden event from gradual deterioration, maintenance or wear. The facts, photographs, maintenance records and policy wording may matter.
Check the affected property and limits
A geyser incident can raise separate questions about the unit, resultant water damage, alternative accommodation and excesses. Do not assume all consequences are covered in the same way.
A sensible next step
If you are reviewing a quote or existing cover, prepare the schedule and questions for an authorised adviser. Do not submit sensitive information through this first-contact website form.
Request an insurance review