The water clock.

From the onset of any escape of liquid claim, the water clock is ticking and the damage increases minute by minute.

Unlike many other peril types, water damage is exponential – the longer you leave it, the worse it gets – leading to mould, bacteria, water contamination and other damage. This in turn increases the lifecycle of the claim and inevitably leads to much higher costs for the insurer.

Helio’s speed of response minimises property damage and therefore reduces time and costs associated with the claim.

To learn more, download our eBook: 5 tips to beat the water clock


How does the water clock work?

Within 24 hours

  • In the first few minutes, water can spread quickly throughout the property
  • Materials like upholstery, carpet, wall linings and skirting that have absorbed water become heavy and sodden
  • The breakdown of exposed materials like plaster walls and insulation begins due to the swelling from the moisture
  • Wood also begins to swell, and furniture finishes start to bleed, causing permanent staining to flooring
  • Metal objects begin to tarnish, and any colours and dyes from fabrics begin to bleed
  • Paper goods are no longer salvageable
  • Mould growth begins in as little as 24 hours after moisture has been present, and a musty odour may be noticeable


Within 48 hours

  • Mould growth has started to spread, becoming aerosolised – and may even begin to be visible on surfaces
  • Wood begins to warp and bend
  • Metal objects begin to corrode, while other materials (plaster, insulation, carpet, underlay, furniture, and other textile goods) continue to deteriorate
  • Microorganisms begin to grow in the water, so contamination levels become a threat


Within 1 week

  • If unabated, mould continues to grow
  • Paint begins to blister, and timber flooring swells and distorts
  • If water damage has been present for this long, restoration costs and processes are significantly increased
  • Water contamination levels become a larger concern and should be handled cautiously and appropriately
  • Few items are salvageable after being exposed to water for up to a week, and structural damage is likely to ensue
  • Mould growth and other harmful bacteria are now major risks and have likely spread to other areas of the property
  • Structural integrity may be compromised, posing a serious threat to those residing in the area
  • Cracks in walls and ceilings and buckling of floors will be apparent, and will require rebuild or replacement to correct


To learn more, download our eBook: 5 tips to beat the water clock



Escape of liquid
Fire & smoke damage
Storm & CAT response
Industrial machinery
Malicious damage
Drug labs

5 tips to beat the water clock.