As a property owner, protecting your investment is crucial. While insurance provides financial security for sudden and unforeseen events, many landlords don’t realise that gradual damage—deterioration that happens over time—often isn’t covered. Understanding how gradual damage works and how to prevent it can save you from costly repairs down the track.
What is Gradual Damage?
Gradual damage happens slowly over time, usually due to wear and tear, hidden leaks, rot, or corrosion. Unlike sudden disasters like storms or fires, this type of damage often goes unnoticed until it becomes a serious issue.
For example, a slow leak under a sink might take months before signs of water damage appear. By then, the flooring and cabinetry could be ruined—yet your insurance provider may decline the claim, citing gradual damage exclusions.
Does Insurance Cover Gradual Damage?
Most home insurance policies don’t cover gradual damage. Insurance is designed for sudden and accidental events, meaning wear and tear, ongoing leaks, or deferred maintenance are generally excluded.
However, some policies offer limited cover for hidden gradual damage, particularly if it involves internal plumbing. If a concealed pipe leaks inside a wall, causing damage, some insurers may cover repairs—up to a specific limit. The key is knowing your policy terms and acting fast when an issue arises.
How to Prevent Gradual Damage in Your Rental Property
The best way to avoid costly surprises is through proactive maintenance:
- Regular Inspections – Check high-risk areas like under sinks, around appliances, and in basements for leaks or mould.
- Prompt Repairs – Fix minor issues immediately before they escalate.
- Good Ventilation – Reduce humidity in bathrooms and kitchens to prevent mould growth.
- Clean Gutters – Remove debris to prevent water damage from blocked drains.
- Monitor Water Usage – An unexplained spike in water bills could signal a hidden leak.
How Our Angels Can Help
Staying on top of maintenance while juggling tenants, compliance, and paperwork can be overwhelming. That’s where our Angels come in!
We take the stress off your plate by closely managing your property and ensuring small issues don’t become major problems. Here’s how we help:
Routine Inspections – We regularly check properties, spotting problems before they become costly repairs.
Tenant Education – We encourage tenants to report maintenance issues early so nothing slips through the cracks.
Organising Repairs – No need to worry about finding a tradie—we’ve got trusted professionals on speed dial.
Keeping Records – We document all inspections and maintenance, making it easier if an insurance claim ever comes up.
At the end of the day, we treat your property like it’s our own, keeping it in excellent condition while saving you time, stress, and money.
Understanding Your Insurance Policy
Every policy is different, so it’s important to:
- Review Your Cover – Check whether your insurer provides any protection for hidden gradual damage.
- Ask Questions – If you’re unsure about coverage, speak to your insurer to clarify what’s included and what’s not.
While insurance is essential, it doesn’t replace the need for regular property maintenance. Staying proactive means that landlords can prevent gradual damage, protect their investment, and avoid unexpected costs.
Want a hassle-free way to keep your rental in top condition? Let our angels manage your investment, maintenance and inspections so you can enjoy peace of mind.