The Intermediary – August 2025 - Flipbook - Page 65
P RO T E C T I O N
Opinion
Is panelling causing
more claims?
STEPHANIE DUNKLEY
is development director
at Safe & Secure
H
ome insurance is an
essential safety net
for homeowners,
protecting against
the financial fallout
of events like fires,
floods, the, and accidental damage.
As trends in home decor shi and
evolve, certain materials and design
choices may influence not only
the value of a home, but also the
likelihood of claims. One growing
area of interest? Wall panelling.
Wall panelling has seen a strong
resurgence in interior design over
the past decade. Championed by
influencers, home renovation shows,
and DIY culture, panelling adds
texture, character, and perceived
value to homes. However, while
aesthetically pleasing, could panelling
lead to more home insurance claims?
What is wall panelling?
Wall panelling involves aaching
materials – typically wood, MDF,
PVC, or composite boards – to walls
to create a finished, decorative look.
Traditional styles offer classic appeal,
while more modern styles use large
sheets of timber or painted MDF to
create a bold interior statement.
Panelling is most commonly
used in living rooms, hallways,
and bedrooms, but has also become
increasingly popular in bathrooms
and kitchens – areas prone
to moisture.
The risks
Several factors could contribute to
increased risk of insurance claims:
Hidden Damage
One of the biggest concerns with
panelling is that it can mask early
signs of structural issues. Water
damage from leaking pipes, rising
damp, or roof ingress might go
unnoticed behind sealed panels. By
the time the problem becomes visible
– warping, discolouration, or mould
Be sure to balance aesthetics with practicality
– the damage is oen extensive, and
more expensive to repair.
Insurance providers oen report
that claims related to water damage
are among the most common and
costly. If panelling conceals leaks
or delays early detection, this can
exacerbate the issue and drive-up
claim amounts.
Installation errors
Poorly installed panelling can also
cause problems. For example, DIY
installations might involve improper
sealing in moisture-prone areas like
kitchens or bathrooms. This can lead
to trapped moisture, contributing
to rot, swelling, and possible
structural damage.
Fire risk
Some types of panelling, especially
older wood panelling or certain
composites, may be more flammable
than standard painted drywall. If
improperly treated or placed near heat
sources like fireplaces or radiators, the
risk of fire damage can increase.
Although fire-retardant materials
are available, many homeowners
overlook this when choosing cheaper
or more aesthetic options.
Mould growth
In areas with high humidity, panelling
could potentially trap moisture against
walls, particularly if there’s poor
ventilation. Over time, this could
result in mould growth.
Are claims increasing?
While there is no widespread data
explicitly linking panelling to a rise in
home insurance claims, it could cause
a growing trend.
Claims involving hidden
water damage or poorly executed
renovations are on the rise.
To reduce risk and avoid denied
claims, homeowners can take the
following steps:
Use professionals for installation,
especially in particularly
moisture-prone areas.
Ensure proper sealing behind
panels to prevent water ingress.
Choose materials wisely, opting
for moisture-resistant and fireretardant options.
Monitor for signs of damage, such
as musty smells, discolouration,
or warping.
Final thoughts
Panelling can certainly enhance a
home’s interior, but it’s important to
balance aesthetics with practicality.
Homeowners should be proactive –
understand their insurance coverage,
choose materials wisely, and never
underestimate the value of early
detection when it comes to household
issues. With the right precautions,
your clients can enjoy a beautifully
panelled home without compromising
on peace of mind. ●
August 2025 | The Intermediary
63
