How to Deal with Damp - Home Insurance (2024)

Damp can be a common problem in older houses and can be incredibly costly to fix. So how can you can prevent it and what should you do if your home is affected?

As well as looking unsightly, damp and mould can cause serious issues. Not only can it leave you with an unpleasant musty smell lingering in the atmosphere, it can also harm the structure of your property and even cause health problems such as asthma and allergies.

It’s imperative to treat damp as soon as possible because once it’s taken hold it can be difficult – not to mention expensive – to get rid of. Protecting your home from damp will keep it safe for years to come.

Is my home at risk from damp?

If you spot signs of damp and mould, it’s important to identify which type it is before you try to fix it.

There are three main types of damp:

Rising damp is mostly found in old properties, particularly those pre-dating 1875 when houses weren’t built with protective damp-proof courses. It only occurs in basem*nts and at ground floor level as it’s caused by moisture from soil moving up through a wall or floor. This type of damp can be easy to misdiagnose, so it’s advisable to get expert advice if you think you have it.

Signs of rising damp include:

  • Decaying skirting boards
  • Crumbling plaster
  • Tide marks on walls

Penetrating damp is caused by rain getting into a property through walls and ceilings. This could be due to a leaking roof, blocked gutter or burst pipe. You’re more likely to experience penetrating damp if you live in an older building with solid walls rather than cavity walls, which provide some protection.

Signs of penetrating damp include:

  • Large damp patches on walls
  • Decaying timber
  • Watermarks on masonry particularly after heavy rain

Condensation is the most common type of damp, with one in five UK homes affected. It’s caused by moist warm air coming into contact with a cold surface, typically in kitchens and bathrooms.

Signs of condensation include:

  • An unpleasant musty smell
  • Water droplets collecting on windows
  • Unsightly black mould
  • Peeling paint or plaster

How do I protect my home from damp?

Where damp is concerned, prevention is most definitely better than cure. These tips can help you protect your home:

Keep your home well ventilated

A hot and stuffy home can result in a build-up of excess moisture, causing mould and mildew, so it’s important to let the air circulate around your property. It’s a good idea to open a window every day, even if it’s cold outside. If you have air vents in your kitchen and bathroom that lead outside, make sure nothing is blocking them. And don’t lie furniture flat against walls as air won’t be able to circulate behind it.

Everyday activities like showering and cooking can increase humidity inside your home and cause condensation. To reduce the amount of moisture:

  • Use an extractor fan when cooking and keep lids on saucepans
  • Only boil the kettle when you need to
  • Dry your washing outdoors whenever possible
  • Open windows and leave internal doors open
  • Wipe down the bath, shower and tiles after every use

Another way to reduce the amount of condensation in your home is to keep it well heated. Since condensation is created when cold and warm moist air clash, a cold room is more likely to become damp, especially during the winter months. Loft and wall insulation can help reduce heat loss, while well-fitted double glazing will help to avoid steamy windows.

Maintain the exterior of your home

Check your roof regularly for damage, especially after a winter storm, but don’t attempt to fix a leak yourself if you’re not a professional. Keep gutters clear of leaves and debris to avoid rainwater streaming down the side of your property as it will eventually seep inside.

Water can get in through the walls as well as the roof, so inspect the pointing of exterior brickwork and masonry for cracks or potential weak spots.

If damp-proof courses and air bricks are covered up by outside paths, rendering, or garden borders, the damp-proofing can become bridged, making it ineffective and allowing moisture to penetrate a wall.

How do I get rid of damp?

If you have damp or mould in your home, the first step is to identify the source of it and get it fixed.

Dry out the damp area thoroughly – this may involve using a dehumidifier. In many cases, if the damp is caused by condensation and covers an area of less than 1x1 metre, you should be able to treat the affected area yourself with a mould removing treatment.

To protect yourself from mould spores, it’s advisable to wear goggles, rubber gloves and a mask over your nose and mouth. Open windows but keep doors closed so spores won’t spread to other parts of the house.

Once the affected surface is dry and mould-free, you can paint it with a damp seal or stain block paint.

If you have old or cracked grouting in your kitchen or bathroom that is causing damp and mould, you can rectify the problem by re-grouting your tiles.

Rising damp is less easy to fix, so to deal with this you’ll probably need help from a professional. Treatment involves either a damp-proof course or new damp-proof membrane.

How much does a
damp-proof course cost?

The worse a damp situation gets, the more it’s likely to cost to repair any damage. Most standard buildings and contents home insurance policies do not cover damage caused by damp and condensation.

A damp-proof course can run into thousands of pounds if the whole house needs treating. Each case is different, but a rough estimate is around £300-£600 per wall depending on the size of your property.

Make sure you really needa damp-proof coursedamp proof treatment before you pay out for it as damp is often misdiagnosed. If needs be, seek advice from an independent damp specialist or anindependent and qualified Chartered Surveyor from the RICS to find out whether the treatment is absolutely necessary. They will charge a fee but will be more likely to accurately diagnose the problem, potentially saving you money in the long run.

How to Deal with Damp - Home Insurance (2024)

FAQs

Can you claim on house insurance for damp? ›

Home insurance doesn't usually cover damp, whether it's caused by rising damp or condensation. This means your insurance won't cover the cost of any structural repairs nor the cost of replacing any of your belongings that may have been damaged by damp or mould.

How do you deal with damp under your house? ›

If the problem is caused by a leak under the home, the first thing to do is seal it up. Once you're sure that you've patched up any leaks, and drained out any excess water, it's time to think about ventilation. Without ventilation, the humidity under the house has nowhere to go.

How do you treat damp in property? ›

Damp walls – 23 ways to reduce damp in your home
  1. Air out your home regularly – particularly if you don't have the heating on much. ...
  2. Heat every room of your home. ...
  3. Feel the walls. ...
  4. Make sure air can circulate freely around your home. ...
  5. Check pipes, drains and guttering to make sure that it isn't blocked.

Is damp expensive to fix? ›

Rising damp can be expensive to fix. Not only do you have to stop the damp from entering, but you also have to fix the damage it causes. There are a few steps you can take to protect your home from the effects of rising damp, but there is not much you can do to stop it from happening.

How do I claim compensation for damp? ›

The first step in getting council house damp compensation is to contact your local authority. You can do this by phone, email, or in person at the council offices. Explain to them that you think there's a risk to your health and safety because of the dampness.

Can you get rid of damp in a house permanently? ›

To resolve rising damp, either a chemical or osmotic damp proofing course (DPC), or a new damp membrane must be installed. A DPC is often used and is injected via holes in the masonry, the DPC repels water whilst a damp membrane acts as a physical barrier to stop damp.

Can you live in a house with damp? ›

The respiratory effects of damp and mould can cause serious illness and, in the most severe cases, death (see 'Health effects of damp and mould'). The tragic death of Awaab Ishak was the result of a severe respiratory condition due to prolonged exposure to mould in a home with inadequate ventilation.

How to get rid of dampness in a house? ›

Use dehumidifiers and air conditioners, especially in hot, humid climates, to reduce moisture in the air, but be sure that the appliances themselves don't become sources of biological pollutants. Raise the temperature of cold surfaces where moisture condenses. Use insulation or storm windows.

Should I pull out of a house with damp? ›

If you haven't already, arrange a survey. You may also want to arrange a specialist damp survey. If the issue is severe and impacts the value or safety of the home, it may be worth pulling out of the sale.

Can all damp problems be fixed? ›

The treatment of any damp depends on what is causing the issue. This may not be straightforward as there can be multiple causes. It may be possible that you can treat the damp yourself, but if the problem is serious, you may need to pay for a damp specialist.

What happens if you don't fix damp? ›

Condensation damp can occur anywhere on a wall. It may form at the base of wall, or from top to bottom. It can result in mould growth, damage to furniture and belongings and in some cases mite infestation.

Is damp hard to get rid of? ›

If your home is a new build, damp can be a harder problem to fix so you should consult a professional. Mould is also the result of a build-up of condensation. Condensation is formed when there's too much moisture in the air and hot air comes into contact with a cold surface.

Will a dehumidifier get rid of damp? ›

Do Dehumidifiers Stop Damp? To put it simply the answer is no, however, if you are looking to reduce high humidity and the chance of condensation occurring then dehumidifiers can be a good solution. To get to the bottom of the problem it is important to understand why there are humidity levels in the first place.

How serious is damp in a house? ›

Having damp patches in the home can lead very quickly to mould on walls and elsewhere in your home, which can damage property and cause health problems. And damp can be caused in a number of ways. If the guttering, windows and pointing are in bad states of repair, this can lead to moisture getting into the house.

Is wet rot covered by insurance? ›

Dry and wet rot will be excluded from most home insurance policies. The exception might be if the rot is caused by a specific incident, like a leak, that's covered by the policy. Check your home insurance policy carefully to see what's covered.

What happens if you don't treat rising damp? ›

First thing's first, rising damp will ruin your interior décor, causing the paint to blister and flake off the walls and resulting in peeling wallpaper. In addition to this, damp issues may lead to internal woodwork damage, such as rotten skirting boards and the warping or swelling of doors and door casings.

What is a damp course on a house? ›

A damp proof course is usually installed at the base of a properties walls during initial construction, with the damp proof course itself being a membrane made from plastic. This form of protection is used to stop damp rising up the walls.

Top Articles
Dividend.com
Can I lose money in prop trading?
Lowe's Garden Fence Roll
1970 Chevelle Ss For Sale Craigslist
Retro Ride Teardrop
Craigslist Nj North Cars By Owner
Hallowed Sepulchre Instances & More
Directions To Lubbock
Sinai Web Scheduler
Whiskeytown Camera
123 Movies Black Adam
Transformers Movie Wiki
Walthampatch
Sony E 18-200mm F3.5-6.3 OSS LE Review
Bitlife Tyrone's
Fdny Business
Toy Story 3 Animation Screencaps
The best TV and film to watch this week - A Very Royal Scandal to Tulsa King
Kylie And Stassie Kissing: A Deep Dive Into Their Friendship And Moments
Lonesome Valley Barber
Labby Memorial Funeral Homes Leesville Obituaries
Gayla Glenn Harris County Texas Update
Is A Daytona Faster Than A Scat Pack
Dwc Qme Database
Laveen Modern Dentistry And Orthodontics Laveen Village Az
The EyeDoctors Optometrists, 1835 NW Topeka Blvd, Topeka, KS 66608, US - MapQuest
fft - Fast Fourier transform
Accuradio Unblocked
WPoS's Content - Page 34
Why comparing against exchange rates from Google is wrong
Sinai Sdn 2023
Bi State Schedule
Grays Anatomy Wiki
Khatrimmaza
Murphy Funeral Home & Florist Inc. Obituaries
Great Clips On Alameda
Best Weapons For Psyker Darktide
Etowah County Sheriff Dept
Domina Scarlett Ct
Hingham Police Scanner Wicked Local
Uc Santa Cruz Events
Indio Mall Eye Doctor
Tryst Houston Tx
Directions To Cvs Pharmacy
Weekly Math Review Q2 7 Answer Key
Blow Dry Bar Boynton Beach
Doe mee met ons loyaliteitsprogramma | Victoria Club
Accident On 40 East Today
Evil Dead Rise - Everything You Need To Know
Competitive Comparison
Latest Posts
Article information

Author: Reed Wilderman

Last Updated:

Views: 5615

Rating: 4.1 / 5 (72 voted)

Reviews: 95% of readers found this page helpful

Author information

Name: Reed Wilderman

Birthday: 1992-06-14

Address: 998 Estell Village, Lake Oscarberg, SD 48713-6877

Phone: +21813267449721

Job: Technology Engineer

Hobby: Swimming, Do it yourself, Beekeeping, Lapidary, Cosplaying, Hiking, Graffiti

Introduction: My name is Reed Wilderman, I am a faithful, bright, lucky, adventurous, lively, rich, vast person who loves writing and wants to share my knowledge and understanding with you.