Detect the sources of water damage: our advice

Dark or brown spots on the wall, damp laundry, and wallpaper blistering and peeling off, a stale smell in the room, a halo on the ceiling or walls that run off: if the symptoms of moisture suddenly appear it is certainly a water damage. Before considering any water damage restoration of the private parts or common parts of the co-ownership, it is necessary to determine what the cause of the water damage is.

Mandatory identification

Above all, it is necessary to know what the cause of water damage is. Indeed, determining where the water that causes damage is essential to:

  • To avoid the persistence of the disorder,
  • To find a healthy atmosphere in the housing or the common parts affected,
  • To be able to redo the embellishments,
  • Determine responsibilities and obtain compensation in connection with the insurance claim .

Origin of water damage and insurance

Water damage can have various origins which vary according to the place where it is located. If water damage can occur in a private part as in a common part, its origin may also be in one or the other.

If water damage has originated in the private portion where the damage is found, it is to the tenant’s insurance, or that of the co-owner occupant that it must be declared.

If the property is vacant at the time of the incident, the co-owner has a “non-occupying homeowner” insurance and declares the claims to his insurer, either the damage is his responsibility, or the multi-risk building insurance of the co-ownership provides an extension of warranty for the units and it is then the trustee to make the declaration.

If the origin of the incident is in the common areas, the trustee must be notified. He will in turn declare the claim to the insurer of the co-ownership as part of his multi-risk building contract.

Possible causes of water damage

Among the possible causes of claims, the most frequently encountered are:

  • Leakage or overflow of household appliances,
  • leaks of pipes,
  • Leakage of shut-off valves in water distribution systems,
  • The poor sealing of the windows,
  • An alteration of the building’s roof.

To these accidental causes are added the defects of which can be struck the building in co-ownership, covered during the 10 years following the delivery by the insurance damages-work which guarantees the repair of the origin of the disaster and its consequences if the solidity of the building or its destination are compromised.

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