Plastering after water damage and insurance how to arrange it
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An article from the PandFix knowledge base about plastering: practical explanation, without sales talk. At the bottom you can request a tailored quote.
Short answer
Damage to ceilings and walls from a sudden leak usually falls under the buildings insurance of the owner of the property; damage to your belongings under the contents insurance. What exactly is covered is stated in your policy. Report the damage quickly, document everything with photos and have the cause fixed first. After that the plastering can be repaired.
- Ceiling and walls = usually buildings; belongings = contents.
- Are you renting? Report it to the landlord.
- First solve the cause, only then plaster.
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Buildings, contents, rental or owners' association (VvE)
- Owner-occupied property: damage to the building, such as ceilings, walls and plastering, usually falls under your buildings insurance.
- Rental property: the building belongs to the landlord. Report the damage to the landlord or housing association; repair of ceiling and walls is usually their responsibility. Your own belongings are covered by your contents insurance.
- Apartment: there is often buildings insurance via the VvE. Report the damage to the VvE or the managing agent.
- Leak from upstairs neighbours: report it to your own insurer and to the upstairs neighbours; the insurers will arrange between themselves who pays what.
Please note: whether something is covered depends on the cause and the terms of your policy. Gradually developed damage, such as a leak that has been dormant for months, is often assessed differently from a sudden leak. If in doubt, check with your insurer.
How to tackle it
- Limit the damage: turn off water, move belongings, put a bucket underneath.
- Document everything: photos of the damage and the cause, with date and time.
- Report it quickly to your insurer (and landlord, owners' association (VvE) or upstairs neighbours).
- Have the cause found and fixed. A leak detection report helps with the damage claim: leak detection report for insurance.
- Request a quote for the repair of ceiling and walls. You can submit this to your insurer.
- Allow to dry and repair: plastering only takes place once everything is dry.
What PandFix can do
PandFix can both locate and fix the leak and then repair the ceiling and walls. You will receive a tailored quote for the plastering, which you can use for your damage claim. See water damage, leak detection and ceiling plastering.
Plasterer in your area:
Frequently Asked Questions
Does buildings insurance cover the plastering?
Usually yes for damage from a sudden leak, but it depends on your policy. Check with your insurer.
Can I choose my own plasterer?
Often yes; some insurers work with their own repair companies. Check before commissioning work.
Do I have to wait for the loss adjuster?
Report the damage first and ask whether someone will come to inspect it. In any case, document the damage before anything is repaired.
I rent. Do I have to have the ceiling repaired myself?
Usually not: the building belongs to the landlord. Report it there first.
How do I request a quote?
Call, send a WhatsApp message with photos and measurements, or fill in the form on this page. You'll hear the price before we start.