Water damage at homeowners' associations

Why water damage is a major risk for homeowners' associations

Water damage is one of the most common types of damage experienced by homeowners' associations. A leaking roof, burst pipe, or overflowing sink can cause significant damage in a short period of time. Not only to the building, but also to the shared facilities and members' apartments. 

 

Common causes of water damage

• Leaky or clogged gutters – often due to overdue maintenance or leaves and debris. 

• Defective pipes – especially in older buildings. 

• Leaks in bathrooms or kitchens – poor sealing, broken siphons, or blockages. 

• Storms and rainfall – extreme weather conditions can lead to water ingress. 

• Defective installations – such as central heating boilers, water heaters, or heat pumps.

 

The consequences of water damage for your homeowners' association

High repair costs: sometimes tens of thousands of euros. 

Nuisance for residents: think of moisture, mold, and temporary uninhabitability. 

Disrupted relationships: discussions about liability and cost allocation. 

Higher insurance premiums: in the event of repeated damage

How can you prevent water damage? 

1. 1. 1. Regular roof and gutter maintenance: have them cleaned and inspected at least once a year. 

   1. 2. Check pipes and faucets: especially in places where pipes are not visible. 

   1. 3. Prevent pipes from freezing: insulate pipes in cold areas. 

   1. 4. Plan preventive maintenance: include water-sensitive components in the long-term maintenance plan. 

   1. 5. Take quick action in the event of a leak: the sooner you deal with it, the less damage there will be. 

Insurance and water damage

The building insurance of the homeowners' association often covers damage caused by leaks, but pay attention to the conditions. Sometimes consequential damage or overdue maintenance are excluded. Check whether the coverage matches the risks of your building. 

Our vision as Zeker voor VvE 

Water damage can cause a lot of misery, but with proper maintenance and clear agreements in the homeowners' association, you can prevent many problems. Make sure that prevention is part of the maintenance plan and that insurance is properly arranged. 

Questions about water damage or insurance for your homeowners' association? 

Questions about safe electric charging and the impact on your insurance? 

Call our HOA experts at 010 – 288 44 73 or send an email to vve@schoutenzekehreid.nl