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    Rainwater downpipe overflowing - is this covered by house insurance?
    • #1
    • 26th Aug 11, 6:24 PM
    Rainwater downpipe overflowing - is this covered by house insurance? 26th Aug 11 at 6:24 PM
    In the torrential downpour yesterday, it soon became apparent that the rainwater downpipe at the back of our house was full and overflowing. The water splashed out over the top and onto the brickwork behind. Damp has seeped through the brickwork and stained the inside wall in our loo.

    Water has also spilled over the gutter next to the rainwater pipe, and left large brown patches on our bedroom ceiling. Today there was another downpour and the water started dripping down through the patch nearest the gutter on the bedroom ceiling. The water is also coming through the conservatory roof at one point.

    It looks like the rainwater pipe has become blocked in some way, impossible to tell how, and we have no access to it.

    Is this likely to be covered by our house insurance? We are insured for the buildings with Zurich Home Solutions. The policy says we are covered for sudden and unexpected loss of or physical damage to the buildings caused by (list of events). The events include (5) storm or flood and (8) water leaking from any fixed appliance. However guttering and rainwater pipes are not specifically mentioned. (The roof was repaired last year and is not leaking, we know this because we have access to the roof space.)
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