How to make a successful water leak insurance claim
by Admin
Posted on 28-03-2023 12:22 PM
The ‘escape of water’ is a term insurers use for leaks that come from inside the property; think water from a leaking pipe, appliance, tank or heating system. According to the association of british insurers (abi), one in four household insurance claims are for the escape of water, and over 80% of those happen because of burst or leaking pipes.
The most commonly affected spaces are the kitchen and bathroom, but because concealed pipes run throughout the home, a leak could damage any part of your property.
If you have a water leak, or ingress of water at your property, you may be considering making an insurance claim. Burst/leaking pipes, plumbed in appliances, or leaking roofs can be expensive because of the extensive damage they cause. However, there may be a limited amount of money your insurance will pay out for due to the contents of your policy. https://www.pdla.ie/water-damage
Gradual damage occurs when something causes damage to your home slowly over time. For instance, suppose the faucet handles on your sink are leaking and you neglect to repair them. That leaking water may one day cause damage to your home. If you try to make an insurance claim when that happens, you could be denied. Your insurer would see that the problem had been going on for a long time, and you didn't make the needed repairs.
What to do when you notice a leak in your home
Updated 13th august 2020
have you noticed a water leak? are you thinking about claiming on your house insurance? in this article we give an overview of the process for making a home insurance claim after a water leak. We’ll give an overview of the typical claims process, what you can and can’t claim for and some best practices.
Is plumbing covered by home insurance?
so you’ve noticed a water leak. It may be a large scale leak, in which case it would be difficult to miss. Or you’ve just discovered a smaller leak, which has lay hidden for some time and you’ve just noticed some of the damage it has caused.
Regularly check the pipes (the ones you can access) for leaks, as well as taps, bathroom and kitchen fittings. Even a small drip could cause serious issues if it is not addressed in time. Use the water metre to check for potential leaks—turn off the stopcock and check the meter in a few hours to see if it goes up. If so, you might have a water leak in your home. If you notice any damp patches on the ceiling or walls, discoloured paint or low water pressure in the shower or bath, contact a plumber to check the house for leaking pipes.
You might think your insurance policy covers you for water leak damage, but your policy can have exclusions. We recommend that you speak to one of our expert claims assessors who can help you understand the terms of your policy. One of the benefits of working with an independent insurance claims assessor is they will know how to ensure your claim is made in full. You don’t want any surprises down the road. For example, pcla will send a qualified building surveyor to your home to conduct a free survey of the water damage. It’s our job to make you aware of the full extent of the damage caused, some of which can’t be detected without specialist leak detection equipment.
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