insurance company want to apply excess twice

carol947

I have put in an insurance claim which involves a leak from the stop tap and soil pipe both in the kitchen about 1.5 to 2 metres apart. The damage is all from water which you could not separate, the insurance company is saying it is two separate claims, meaning the policy excess will be applied twice. I don't see how they can separate the damage out as it was all caused by water.

Has anybody else had this problem

Ch1ckenlady

Was the resulting damage all discovered at the same time?

Gra76

Sorry to be the bearer of bad news but 2 separate leaks = 2 separate claims regardless of them being for the same thing and in the same room unfortunately. When you found them is also irrelevant.

How the damage is separated on the quotations is going to be a little more difficult if they've both affected the same items though. That'll be up to whoever comes out to quote for you to sort out. If it were my company (we only deal in insurance repair works and have been contracted to various well known insurers since the early 90's) we'd most likely be asked to split the costs down the middle if it was impossible to decide which leak caused what damage, but it might be more obvious than that. Without seeing the damage it's hard to say for sure of course.

If you are assigned an assessor who works direct for the insurers they might be a little bit more sympathetic and lump both claims together but that's not the norm and strictly speaking it is 2 claims.