The Most Common Cause Of Commercial Property Insurance Claims

When it comes to commercial property insurance claims, there’s usually one culprit that stands out above the rest. When you think about that everything that could damage the property to the point of needing to file a claim, most people know that one particular source of damage, the water, is often the most common. But what is its cause and how to avoid it?

The most common cause of damage to a commercial property is…

Water damage. Some people may well have figured it out already. We’ve got the facts for you. The most common cause of injuries to a commercial property which requires them to file an insurance claim is the damage caused by water.

So what can cause water damage?

There’s a lot of different things which can cause water damage to property. One of the first issues that you’re likely to encounter is terrible plumbing. This is, in fact, the most common cause of trouble, as plumbing which has not been done correctly is an accident waiting to happen. If there is a problem with the pipe such as a bolt which has been tightened all the way, or a weak point in the entire design, then it is only a matter of time before it is compromised and water floods into the building.

Burst pipes are also a problem faced by a lot of commercial properties, and it is not always down to the poor plumbing. We’ve worked with pipes damaged by a forklift or a car. Sometimes, you’ll find that the problem is down a deterioration in the piping which can just be caused by age or extremely low temperatures.

Flat roofing is also a common reason for internal water damage. This is usually due to poorly installed guttering. When it does rain and the water collects on the roof, there’s nowhere for it to go, and it is instead just left to build up over time. As well as this, the rain striking the same area, again and again, can cause erosion, which will eventually lead to a leak.

Other issues may include things like faulty appliances such as dishwashers and washing machines going wrong, the toilets becoming clogged and overflowing, and also things like natural disasters, with flooding being capable of causing immense damage to a property without any way to stop or prevent it.


Water damage remains one of the most common causes for insurance claims on commercial properties in the United Kingdom, and it is easy to see why this is the case. It is so easy for properties to become damaged and ruined by water, and without a way to stop it or prevent it, the damage can become very severe very quickly. If you have a pipe or a leak that you’re not sure about, then 24/7 drains can help you to get them in the best possible condition, and contribute to remove one of the most common problems surrounding water damage, to make your commercial property that extra bit safer.