Leaky Pipes and Hidden Costs: What Every Homeowner Should Know

Home Insurance | Police Mutual

This article was published on Mon 1 September 2025. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us

As the seasons shift and temperatures fluctuate, your home’s plumbing system can come under pressure. Leaky pipes might seem like a minor inconvenience, but they can quickly spiral into costly repairs and long-term damage.

At Police Mutual, we’ve pulled together some handy tips so you can stay ahead of these issues, to protect your home and give your peace of mind.

Why leaky pipes are more than just a drip

A small leak might not seem urgent, but over time it could lead to:

  • Structural damage to walls, floors, and ceilings
  • Mould and mildew growth, which can affect health
  • Increased water bills from unnoticed leaks
  • Damage to personal belongings and furniture

What’s more, leaks often go unnoticed until the damage is done, especially in colder months when pipes are more likely to freeze and burst.

Common signs of a leak

Spotting a leak early can save you time and money. Keep an eye out for:

  • Damp patches or discolouration on walls or ceilings
  • A musty smell in certain rooms
  • Unexplained increases in your water bill
  • Low water pressure or strange noises in the pipes

If you notice any of these signs, it’s worth investigating further or calling a professional plumber.

Seasonal risks to watch out for

Autumn and winter bring added risks. Cold weather can cause pipes to freeze and crack, especially in unheated areas like lofts or garages. Insulating your pipes and keeping your heating on a low setting, even when you’re away, can help prevent this.

Protecting your home with insurance

Even with the best precautions, accidents happen. That’s where Police Mutual Home Insurance comes in. Designed with the needs of the police community in mind, our cover helps protect your home from unexpected damage, including escape of water and burst pipes.

Don’t let a small leak turn into a big problem.
Learn more about Police Mutual Home Insurance and see how we can help protect your home today.

Photo by Andrew Valdivia on Unsplash.