Direct line home insurance nightmare

Insco

rosiebud wrote: »

we have water under our floor - joists have rotted - dont know where leak is coming from

Had woman out from Direct Line yesterday - I thought they paid for leak to be traced, it says so in my insurance booklet but according to her, no they dont.

I have to get a plumber and source the leak.

She wasnt as helpful as i expected at all. What happens if plumber cant find leak, my husband couldnt and he's worked in building all his working life.

Are you sure it is a leak ( from a water supply pipe or drain for example) - could it be high water table - especially as you say you have rotten joists.

Consider asking your local water authority to attend to test the water under the floor - this would give you an indication as to whether the water is from a soil pipe, groundwater or mains water. I believe that they may not charge for this service.

dacouch

Direct Line have trace and access cover on page 25 of their policy.

10 Trace and Access
We will pay for the cost of removing and replacing any part of
the buildings to fi nd and repair the source of any water escaping
from tanks, pipes, equipment or fi xed heating system of the buildings.
We will not pay the cost of any loss or damage to your household
heating or water system itself.
We will not pay more than £5,000 for any one incident.

Insco

dacouch wrote: »

Direct Line have trace and access cover on page 25 of their policy.

10 Trace and Access
We will pay for the cost of removing and replacing any part of
the buildings to fi nd and repair the source of any water escaping
from tanks, pipes, equipment or fi xed heating system of the buildings.
We will not pay the cost of any loss or damage to your household
heating or water system itself.
We will not pay more than £5,000 for any one incident.

....And if the source of the water is found to be due to high water table or ground water, or a spring for example, this extension in cover will not operate.

Strongly recommend that high water table or ground water is ruled out first by poliycholder; then the poliycholder can embark upon finding the source of the escape of water from a tank, pipe, equipment in the comfort that the costs should be covered, subject to the limit.