Leak from shower to downstairs ceiling

guy999

Hi
Unsure if this is covered by my house insurance as never claimed before.
Moved into the house a couple of years ago, at the time noticed that at some point the ceiling in the dining room had been repaired with the a big square on the artex ceiling, but thought nothing of it.
Anyway took a long shower in the ensuite today and when came downstairs realised that from the ceiling water was dripping from the ceiling onto the new leather sofa.
Luckily there is no damage to the sofa as i was quick, but what is best now.
The house has had buildings and contents with Barclays since moving in.
Not sure where it is leaking from, its a fully enclosed shower not over a bath.
The water has left a small long crack on the ceiling where previous join was, so guessing it must have leaked before from same place?

Anyway what is best to do now call the insurance company? Will they send a plumber to look at leak and ceiling and give a quote and fix?

Is this type of thing actually insured? Or because there was a leak once upon a time and not presumably fixed properly then it is not covered.

Thanks in advance

Tygermoth

Escape of water is covered as standard on most policies.

Call your insurer and they will tell you how to progress your claim.

(the prev leak does not matter as the repair to the leaking pipe is not covered anyway)

dogbot

Check all the sealant arround the shower - if that is leaking often the loss won't be covered as it is wear and tear/maintenance issue.

Otherwise, you might have to pay the cost of the plumber fixing the leak. However, look for the trace and access cover in your policy - this is the amount for ripping stuff out (tiles, floors etc) to locate the leak.

The subsequent damage done by the leak is covered by escape of water (again, unless due to wear and tear such as sealant going).

guy999

Thanks will give them a calll