Leading causes of water damage in the home

Midland offers a wide variety of services, from personal and risk insurance, through to property and business and even travel insurances. Whatever you need to secure, Midland has the product for you. Simply click on anyone of the listings to the right to be taken to the appropriate page. Or you can contact us for a no obligation quote or excellent advice on whatever it is you require.

Request A QUOTE

Key Takeouts

Check: quick check of appliances with flexi-hoses, taking particular notice of corrosion and deterioration.

Clean: A yearly clean out of gutters, especially for high fire-prone areas or homes that are in leafy streets or surrounded by deciduous trees.

Flush (Don't Flush): A fortnightly pouring of boiling water down regularly used sinks and drains. Avoid using store-bought drain cleaners, and keep flushable wipes far away from anything that flushes.

 

Burst Flexi Hoses

flex hose water damage

One of the most frequent reasons for water damage in homes is due to burst flexi hoses, accounting for more than 20% of claims each year. You will find these hoses connected to taps, toilets, washing machines and dishwashers. Check the hose quality every few months, particularly for the washing machine and dishwasher where detergent can accelerate corrosion. A regular check of these hoses can avoid having to fork out an average of $5,000 in damages should one of them burst.

Blocked Gutters

If the gutters of your home suffer from fallen leaves or seasonal debris, then it’s strongly recommended to clear your gutters at least twice a year. A build-up of leaves in gutters is a serious risk to homes throughout the year and can create significant problems, especially for homes that are in high fire prone areas. Additionally, during heavy rainfall, leaves can condense quickly, creating compact blockages in gutters and down-pipes.

blocked gutters water damage

Clogged or overflowing gutters can not only cause excess water to collect around the foundations of your home, but they can also cause expensive structural damage to walls, ceilings and window frames, and also lead to pest infestation – the moist conditions are ideal for mosquitoes, cockroaches, and flies, all of which can carry diseases.

Repairing foundational damage can cost you upwards of $10,000, but it can be avoided with a quick gutter clean-out twice a year.

For a little extra protection, gutter guards can also be quite effective in managing fallen debris, however they aren't 100% full-proof. A yearly gutter check is still recommended.

Blocked Drains / Sinks

Most blocked drains within the home get blocked from every-day grime, but the long-term impacts can easily be avoided.
In the kitchen, grease, fat and food cause the majority of blockages. Rinsing hot fat (or oil) from pans down the drain is a big no-no as it quickly cools and eventually solidifies.

In the shower, it’s often hair – often going unnoticed, yet can create large clumps that block water flow.

By simply pouring (near) boiling water down each drain every couple of weeks is a great way to help flush through any gunk and keep the pipes clear. Adding a little baking soda and vinegar to the mix can also help in dissolving the matter.

Whatever you do, avoid using store-bought drain cleaners as a solution for any pre-existing or stubborn blockages. If the regular application of the hot water solution hasn't worked, try removing it by ‘plunging’ or ‘snaking’ the drain. Otherwise, call your local plumber. Chemical cleaners will often only damage your pipes and further solidify the blockage.

 

When it comes to the loo, there are 2 notorious cloggers that have been wreaking havoc on plumbing worldwide:

1: 'Luxury' toilet paper - The more expensive, thicker, 'luxurious' toilet paper (e.g. 4-ply). Brands may promise 'superior softness' on your bum, but they have become a growing cause for emergency plumbing services over the last few years. The more eco-friendly and less expensive options are typically easier on your home's pipes.

water damage

2: Flushable wipes - Although the packaging states they are flushable, Australia's water service providers would strongly disagree. According to CHOICE, utilities are spending an estimated $15 million a year to clear blockages they say are largely caused by wet wipes.

 

These wipes cause serious damage to sewer drains resulting in wastewater or sewerage spill, and they also greatly increase the risk of pipe blockages and overflows to local creeks and rivers. So either put them in the garbage, or avoid using them altogether.

A lot of water damage that happens to homes can often be easily prevented. It doesn't take a lot of time or effort to keep your home's plumbing running smoothly and clog free. A quick 2 minute quality check of any corrosion to flexi-hoses, a bi-annual clean-out of gutter debris, applying a regular simple DIY hot water flush to drains, or getting a plumber in once a year as a preventitve measure could end up saving you a small fortune and a whole lot of inconvenience.

Average plumber costs for unblocking drains:
1. to unblock a simple toilet or kitchen drain : $100
2. clearing a short stretch of blocked drain : $300 - $500
3. to replace a portion of your drainage piping : $3,000 - $5,000

Leading causes of water damage in the home

Leading causes of water damage in the home 

Key Takeouts

Check: quick check of appliances with flexi-hoses, taking particular notice of corrosion and deterioration.

Clean: A yearly clean out of gutters, especially for high fire-prone areas or homes that are in leafy streets or surrounded by deciduous trees.

Flush (Don't Flush): A fortnightly pouring of boiling water down regularly used sinks and drains. Avoid using store-bought drain cleaners, and keep flushable wipes far away from anything that flushes.

 

Burst Flexi Hoses

flex hose water damage

One of the most frequent reasons for water damage in homes is due to burst flexi hoses, accounting for more than 20% of claims each year. You will find these hoses connected to taps, toilets, washing machines and dishwashers. Check the hose quality every few months, particularly for the washing machine and dishwasher where detergent can accelerate corrosion. A regular check of these hoses can avoid having to fork out an average of $5,000 in damages should one of them burst.

Blocked Gutters

If the gutters of your home suffer from fallen leaves or seasonal debris, then it’s strongly recommended to clear your gutters at least twice a year. A build-up of leaves in gutters is a serious risk to homes throughout the year and can create significant problems, especially for homes that are in high fire prone areas. Additionally, during heavy rainfall, leaves can condense quickly, creating compact blockages in gutters and down-pipes.

blocked gutters water damage

Clogged or overflowing gutters can not only cause excess water to collect around the foundations of your home, but they can also cause expensive structural damage to walls, ceilings and window frames, and also lead to pest infestation – the moist conditions are ideal for mosquitoes, cockroaches, and flies, all of which can carry diseases.

Repairing foundational damage can cost you upwards of $10,000, but it can be avoided with a quick gutter clean-out twice a year.

For a little extra protection, gutter guards can also be quite effective in managing fallen debris, however they aren't 100% full-proof. A yearly gutter check is still recommended.

Blocked Drains / Sinks

Most blocked drains within the home get blocked from every-day grime, but the long-term impacts can easily be avoided.
In the kitchen, grease, fat and food cause the majority of blockages. Rinsing hot fat (or oil) from pans down the drain is a big no-no as it quickly cools and eventually solidifies.

In the shower, it’s often hair – often going unnoticed, yet can create large clumps that block water flow.

By simply pouring (near) boiling water down each drain every couple of weeks is a great way to help flush through any gunk and keep the pipes clear. Adding a little baking soda and vinegar to the mix can also help in dissolving the matter.

Whatever you do, avoid using store-bought drain cleaners as a solution for any pre-existing or stubborn blockages. If the regular application of the hot water solution hasn't worked, try removing it by ‘plunging’ or ‘snaking’ the drain. Otherwise, call your local plumber. Chemical cleaners will often only damage your pipes and further solidify the blockage.

 

When it comes to the loo, there are 2 notorious cloggers that have been wreaking havoc on plumbing worldwide:

1: 'Luxury' toilet paper - The more expensive, thicker, 'luxurious' toilet paper (e.g. 4-ply). Brands may promise 'superior softness' on your bum, but they have become a growing cause for emergency plumbing services over the last few years. The more eco-friendly and less expensive options are typically easier on your home's pipes.

water damage

2: Flushable wipes - Although the packaging states they are flushable, Australia's water service providers would strongly disagree. According to CHOICE, utilities are spending an estimated $15 million a year to clear blockages they say are largely caused by wet wipes.

 

These wipes cause serious damage to sewer drains resulting in wastewater or sewerage spill, and they also greatly increase the risk of pipe blockages and overflows to local creeks and rivers. So either put them in the garbage, or avoid using them altogether.

A lot of water damage that happens to homes can often be easily prevented. It doesn't take a lot of time or effort to keep your home's plumbing running smoothly and clog free. A quick 2 minute quality check of any corrosion to flexi-hoses, a bi-annual clean-out of gutter debris, applying a regular simple DIY hot water flush to drains, or getting a plumber in once a year as a preventitve measure could end up saving you a small fortune and a whole lot of inconvenience.

Average plumber costs for unblocking drains:
1. to unblock a simple toilet or kitchen drain : $100
2. clearing a short stretch of blocked drain : $300 - $500
3. to replace a portion of your drainage piping : $3,000 - $5,000

Request A Quote
Midland Insurance Brokers Australia Pty Ltd
ABN 81 006 528 329 AFSL 238963
- Important information about insurance contracts
- Midland FSG
- Terms of Engagement
- Privacy statement and compliance
- General Insurance Code of Practice
- Insurance Brokers Code of Practice
- Complaints and disputes
Beau Runnalls

Beau Runnalls

Senior Insurance Broker

Beau is a senior insurance broker at Midland with seven years of industry experience supporting businesses across Australia. He works across a broad range of sectors, with particular expertise in earthmoving, heavy equipment, trades, and the winery industry.

Known for his attention to detail and measured approach, Beau focuses on delivering insurance solutions that are clear, practical, and free from unnecessary complexity. He remains actively engaged in professional development, ensuring his advice reflects current industry standards and best practice.

Beau places strong value on collaboration and long-term client relationships. Outside of work, he enjoys golf and football, reflecting his team-oriented mindset and active approach both professionally and personally.

Alex Petkovic

Alex Petkovic

Senior Insurance Broker  |  Development & Service

With 27 years of experience in the insurance industry, Alex is a senior broker at Midland, recognised for his depth of knowledge, attention to detail, and straightforward approach. While he works across a broad range of businesses, he has a particular focus on clients in the construction and building sectors.

Committed to keeping insurance clear and practical, Alex places a strong emphasis on honesty and client-first advice. He remains actively engaged with industry developments through ongoing professional development and research, and is also a natural mentor, regularly supporting and guiding emerging brokers within the team.

Joshua-Kerr

Joshua Kerr

National Sales Manager

Joshua is Midland’s National Sales Manager, with more than two decades of experience in the insurance industry. His expertise spans a wide range of insurance solutions, with particular depth in the winery and brewery sectors.

Taking a considered, people-focused approach, Joshua works closely with clients to understand how their businesses operate and the risks they face, allowing him to deliver insurance solutions that are both practical and relevant. He is known for his ability to make complex insurance concepts clear and approachable.

Outside of work, Joshua has a strong connection to community, having spent several years coaching junior basketball and serving as Vice President of a children’s basketball club. Staying closely attuned to industry developments, he is committed to helping clients make informed insurance decisions that support their long-term success.

Justin-Lane

Justin Lane

Director

Justin is a Director at Midland and has been part of the business since 2003. With more than two decades of experience, he works closely with small businesses across Australia, helping them secure insurance solutions that genuinely reflect the way they operate.

Known for his practical, solution-focused approach, Justin places strong emphasis on clarity, reliability, and long-term client relationships. His depth of industry knowledge and consistent, hands-on service have seen him become a trusted adviser to many business owners over time.

Damien Lane

Director

Since 2001, Damien has been central to Midland’s evolution, bringing more than two decades of industry experience and a strong commitment to client-focused service. His expertise spans a wide range of sectors, with recognised depth in the brewery and distillery space.

Working with independent brewers across Australia, Damien helps clients navigate complex operational risks with practical, grounded advice. He is known for his industry knowledge, clear communication, and ability to build enduring client relationships.

linkedin facebook pinterest youtube rss twitter instagram facebook-blank rss-blank linkedin-blank pinterest youtube twitter instagram