Home insurance Claim, Leaking tap ruined floor - The right approach?

Maximillion

Hi all,

We've just had a tap under our sink fixed, it seems it has been slowly leaking and running under the cupboards. The water has spread under the laminate flooring and it's swelled etc. :mad:

I'd like to claim on my house insurance but I want to make sure I don't put my foot in it and ruin my chance of a claim.

The cover booklet says that we are covered for water leakage from pipes, tanks etc. But not covered for faulty workmanship. We are covered for accidents etc.

I think I have a valid claim but that means nothing in the world of insurance. Anyone have any advice on which pit falls to avoid?

gnvqsos

You need to claim against the plumber if the leak is due to their poor workmanship.A good plumber willhave public liability insurance;if not you will have to seek damages using legal redress-sorry!

dacouch

gnvqsos wrote: »

You need to claim against the plumber if the leak is due to their poor workmanship.A good plumber willhave public liability insurance;if not you will have to seek damages using legal redress-sorry!

How do you know the damage was caused by the Plumber ?

dacouch

Op it sounds like you have a valid claim, this would normally be settled under the escape of water section. Give your insurers a ring to instigate a claim.

Note the Insurers normally pay for the damage the water has done but not for the repair to the leak itself

gnvqsos

dacouch wrote: »

How do you know the damage was caused by the Plumber ?

I dont;I said if the problem is causedetc. etc........ after I had read this comment


We've just had a tap under our sink fixed, it seems it has been slowly leaking and running under the cupboards

I assumed that a plumber is more likely than say their vicar or butcher to carry out such work.But ultimately I do not know for sure which makes you right.

gnvqsos

dacouch wrote: »

Op it sounds like you have a valid claim, this would normally be settled under the escape of water section. Give your insurers a ring to instigate a claim.

Note the Insurers normally pay for the damage the water has done but not for the repair to the leak itself

And they may raise the premium if they feel you are the cause rather than another party.

dacouch

The OP's post reads to me that they have had a leak and have just had it fixed.

gnvqsos

dacouch wrote: »

The OP's post reads to me that they have had a leak and have just had it fixed.

Thats how I read it and it is implied that someone has fixed it for them;perhaps I am not making a sensible inference?Are you a plumber by any chance,dacouch?

Soubrette

dacouch wrote: »

The OP's post reads to me that they have had a leak and have just had it fixed.

I read it the same way - they've just had a slow leak repaired.

However it could be interpreted the same way gnvqsos seems to have read it - they've just had it fixed and since then a slow leak has appeared.

Guess we'll have to wait for the OP to clarify

gnvqsos

Soubrette wrote: »

I read it the same way - they've just had a slow leak repaired.

However it could be interpreted the same way gnvqsos seems to have read it - they've just had it fixed and since then a slow leak has appeared.

Guess we'll have to wait for the OP to clarify

Now I can see the ambiguity thanks;they almost certainly can claim if the plumber came after the water escaped.

Maximillion

Sorry for the confusion folks, I've been out since I first posted, thanks for all the replies.

We called a plumber to fix the leaking tap ( which appears to have been leaking slowly for a few days perhaps ) He wasn't involved in the original installation. Ours is a new build house but at least a year out of the typical 2 yr maintenance period.

I'll be calling the insurers tomorrow.