Burst Pipes - a brief guide

Posts Tagged ‘survival capability’

Burst Pipes - a brief guide

Friday, January 22nd, 2010

In the last few weeks, we have suffered some of the worst UK weather conditions ever experienced, with temperatures in parts of the Country reaching as low as minus 23 degrees.

Now that the thaw has set in, we here at Cowens Survival Capability, are preparing our claims department for a spate of burst pipe claims. The last time we dealt with losses on such a great scale was over ten years so we felt it would be very useful to offer you some advice on how to cope with the resulting damage.

Remedial Steps:

A burst pipe is classed as a water emergency - it can cause serious damage to a home’s or business premises structure and electrical wiring.

The following steps describe what you should do as soon as you discover a burst pipe.

snowflake1. Turn off the water supply

  • Turn off the main stop tap (stop cock) This is normally situated under the kitchen sink or where the service pipe enters your home.

Drain the system - turn on your cold kitchen tap. This should run momentarily and then stop. Has the burst subsided?

If water has been leaking through for some time and the ceilings are bulging - be careful, rooms may not be safe to enter.

If you notice the leak quickly you can catch dripping water in buckets. Make a hole in the ceiling to let water out if it starts to bulge.

2. Turn off the water heating systems

Switch off the central heating, immersion heater and any other water heating systems

If the central heating uses solid fuel, let this die out

Once water heating has shut down, turn on the hot taps to help drain the system

3. Turn off the electrics

Switch off the central heating, immersion heater and any other water heating systems.

If the central heating uses solid fuel, let this die out

Once water heating has shut down, turn on the hot taps to help drain the system

4. Call a professional to repair the damage

Electrical wiring damaged by water can be very dangerous - you will need to call in a professional if this happens.

 

Handling the Insurance Claim:

1. Call your Insurance broker to report the loss

The bursting of water pipes, tanks or apparatus is a valid peril under most insurance policies, but a number do contain warranties about the length of time a property can be left unoccupied without draining down the water system. You must be sure they have complied with limitations for your claim to be met.

2. Install a dehumidifier

You will be expected to take all steps to mitigate the loss and if the water has been running for some hours or days, it is most likely you will need to install a dehumidifier to commence the drying-out process. Act sooner rather than later, there may well be dearth of dehumidifiers if there is a spate of similar losses.

3. Alternative accommodation or alternative trading premises?

Your family can be re-housed under the alternative accommodation section of their policy if the property is uninhabitable. That means without any of the basic utilities, electricity, gas, and water or if the majority of ceilings have collapsed. Short term accommodation (hotel or friends) should be taken until the insurer’s representative has eventually viewed the damages. They will give approval for a short to medium term let of a comparable property. For commercial occupiers where damage is extensive, alternative trading premises may be required. Cover is usually provided under the Increased Cost of Working sections of a Business Interruption policy. For Landlord’s, a claim for loss of rent may be made where tenants move out to accommodate drying and repair works.

4. Redecorating and minor repairs

The full extent of water damages only appears after the property is completely dry and it might take several weeks of drying-out before the full extent can be assessed. You should resist the temptation to redecorate too early. Insurers will not pay for two lots of redecoration. Minor repairs can be conducted but once again it is prudent to wait until the property dries.

Some sobering statistics about Drink Driving

Friday, November 13th, 2009

CHRISTMAS IS COMING - SO I WOULD LIKE TO TAKE THIS OPPORTUNITY TO REMIND YOU ALL OF THE PERILS OF DRINK DRIVING

11 PEOPLE ARE KILLED BY DRINK DRIVERS ON *UK* ROADS EVERY WEEK.

I think the best place to start an article on this subject is to establish how dangerous driving is. The reality is that we are all very relaxed about the perils ad dangers of driving, we all fall into the trap of feeling we are close to invulnerable as we sit cocooned in our warm comfortable metal boxes!

 The following statistics may make you reconsider;

 Probability of being killed

  • North Sea Diver   1:1,000
  • Miner   1:7,000
  • Construction Worker   1:10,000
  • Driving 12,000 business miles p.a.   1:8,000
  • Driving 25,000 business miles p.a.   1:1,250
  • Driving 30,000 business miles p.a.   1:200

Clearly there are a number of factors that skew these figures and statistics can be used to prove almost anything, but … even taking all of this into account I am sure you will agree that Driving on business is a surprisingly hazardous occupation.

Given the very real dangers of driving, there is no real option other than to say, that you should not drive with any level of alcohol in your system.

The effects of alcohol
Alcohol is a depressant drug and even small amounts of alcohol (such as half a pint of lager) affect drivers’ reaction times, judgment and co-ordination. Alcohol also makes it impossible for drivers to assess their own impairment because it creates a false sense of confidence and means drivers are more inclined to take risks and believe they are in control when they are not. 

It is also impossible to calculate how much alcohol you have in your blood (even if you know exactly how much you have consumed), or how long it will stay in your system. The speed at which alcohol is absorbed into your system (and how quickly your system gets rid of it) depends on a large number of factors, including your sex, weight, metabolism, health, how much you drank, how long you have been drinking for, how much and good a sleep you had, and when and what you last ate.

There’s no way of knowing exactly how long it takes to sober up completely after drinking, but it’s probably longer than you think. For example, if you finish your fourth pint of normal strength beer at 11pm, you probably won’t be sober until 10am the next day.  But it could take much longer.

Drinking coffee, eating, sleeping and showering don’t make you sober up any faster. It just takes time.

The fight against drink-driving goes on
Drink-drive casualties (deaths, serious injuries and minor injuries) decreased significantly during the 1980s, but rose by nearly a third between 1993 and 2002 (from 14,980 to 20,140). Drink-drive deaths account for one in six road deaths.

These Government statistics only include casualties caused by drivers over the drink-drive limit, yet many more drink-drive crashes are caused by drivers who only have small amounts of alcohol in their blood. Drivers who are under the drink-drive limit, but who have a significant amount of alcohol in their blood cause an estimated 80 road deaths per year.

The risks
Drink-driving puts both drivers and other road users at risk. Of the 20,060 people killed or injured in drink-drive crashes in 2002 there were:
740 pedestrians, including 120 children;
140 cyclists, including 40 children;
6,930 car passengers, including 850 children;
720 passengers in other vehicles, including 40 children;
plus many drivers and motorcyclists who had not been drinking themselves but were hit by drink-drivers.

At twice the legal limit, drivers are at least 50 times more likely to be involved in a fatal crash.

The law - the drink-drive limit
The current drink-drive limit in the UK is 80mg of alcohol per 100ml of blood, significantly higher than the majority of EU countries (the EC recommends a limit of 50mg of alcohol per 100ml of blood or less). Research shows that a driver’s judgement and motor skills are affected when they are still well below the legal alcohol limit.
An estimated 80 people die each year in crashes caused by drivers who are impaired by alcohol but who are under the limit.

Charges and penalties
If a driver is found to be either over the drink-drive limit, and/or driving while impaired by alcohol, they can receive a maximum penalty of six months in prison and an unlimited fine. Anyone convicted must also receive a one-year disqualification. If a driver kills someone while under the influence of alcohol, they can be charged with death by careless driving while under the influence of drink or drugs, which carries a maximum penalty of fourteen years in prison.

Please take this seriously in particular remember the “morning after ” issue

A self-testing kit if you must attempt to drive the next morning is a possible consideration, but how do you know whether the kit is anywhere near accurate or you have used it properly? Also what are you testing for, just are you legal to drive or are you safe to drive?

In simple terms the only effective solutions are

Don’t drink the night before.

Find other transport, or someone who has not been drinking to drive you

As a last resort be ultra cautious and set off much later the following day

I know this looks like the usual kill joy approach from the health and safety nannies, but if its a choice between a “Merry” Christmas or being arrested, banned, losing your job, injuring or killing someone, which would you honestly prefer?

I’m tempted to sign off “Bah humbug”, or as Scrooge, but that really isn’t what I’m aiming for, all I am saying is remember it takes a lot longer to get sober than you think, so consider alternatives to you driving if you have even had a half decent night out.

Simon Fabian Tech IOSH

Risk Advisor

Thanks to Cardinus and the Brake organisation for the statistics.