The sub zero temperatures can result in pipes freezing and homeowners could be unaware their pipes have burst until the thaw when water begins to leak into their property.
Austyn Tusler, home insurance expert at Hiscox, comments: "The early onset of snow and ice may have caught people under prepared with their winter proofing measures. However taking some simple steps and generally being vigilant for burst pipes can prevent major damage. There is still a long winter ahead, however as the cold snap ends and there are slightly higher temperatures, frozen pipes will begin to thaw.
"Unchecked, a leak can quickly turn into large amounts of water gushing into attics or lofts, damaging the structure, electrical wiring and belongings. Catching leaks early can prevent water damage and save homeowners time and money as well as the emotional stress of experiencing loss or damage to personal belongings."
To spot a burst pipe:
Look for damp patches on ceilings and walls
Inspect the loft andany isolated areas that may not beas adequately insulated to check for leaks
If you turn on the tap and no water comes out – don't take any chances – call a plumber immediately and turn off the water supply
Checkexposed pipes for signs of damage- aleak will not occur until the water has thawed
If you are going away for an extended period leaving your property unattended, make sure you have someone who can check on your home regularly
If you discover a burst or damaged pipe:
Turn off the water supply at the main water tap (or valve), and turn off the stopcock in your cold water tank if you have one
If water has leaked near electrics or electrical appliances, switch off the mains immediately and don't touch any areas that are damp
Protect everything around any pipe that appears to be frozen to avoid damage
Contact your insurer to let them know about the damage within the time specified in your insurance policy
Ring a tradesperson -again check with your insurer on whether they have a panel of approved tradespeople
