Shower leak - Insurance Will Not Cover

DisneyTheresa

Allianz are a big company, I am amazed by the declining of your claim, as others have said that could mean they don't pay for anything! You are claiming for the water damage not repairs to the shower, however a quick google seems Allianz are keen on implementing this clause.

You took this out through the AA, a Brokers - get them involved to fight on your behalf that is what Brokers are supposed to do.

It is also interesting that they have let you take this to the Ombudsman as Insures have to pay for every case that is investigated.

This should be a warning to us all to investigate the seals on our baths and showers!

andy.m_2

There is a difference between miantenance and accidental damage.

We had Allianz for a claim with water coming in through our bedroom ceiling.
Turns out that the flasing to the chimney was defective, this is maintenance, fair dos.
But the guy offered to pay for the ceiling and decorations as that was resultant damage.
They got their preffered contractor round to give a quote, we accepted that as cash and used it to fix the chimney, the extra we spent on paint and a new carpet!

heavenlyharry

Thank you again for the responces.
I have contacted the ombudsman today who are sending out a letter as the first stage of the investigation.
I will look at posting this in another section of the forum, as advised by cyclonebri1.

Any other advice is gratefully and thank you so much for helping

heavenlyharry

andy. m - yes also in our case they have agreed to pay for the ceiling damage. But what we dont understand is that even though my husband saw a damp patch and touched it, causing some of the ceiling to come down, if you touch a "normal" ceiling it wouldnt fall down. So how can that be classed as an accident. The ceiling was damaged due to the escape of water.
We do not want them to cover the shower, we want the to cover the damage caused by the leak, ie: the joists, which are now unsafe.

Its like they are accepting some responsibility for the water damage, but not all!

DaftyDuck

Note that the sealant was only four or five years old... I would have expected it to last longer than that. You could argue that, given it was so recent, their "gradually operating causes, including deterioration and wear and tear is excluded" cannot apply. Just an idea, for others more wise to mull on.

Frankly, I would expect them to pay for pretty much all the water damage.

mildred1978

DaftyDuck wrote: »

Note that the sealant was only four or five years old... I would have expected it to last longer than that. You could argue that, given it was so recent, their "gradually operating causes, including deterioration and wear and tear is excluded" cannot apply. Just an idea, for others more wise to mull on.

Frankly, I would expect them to pay for pretty much all the water damage.

Really??

We replace ours every 18 months - 2 years!

poet123

Just a quick heads up re the Ombudsman, we have a case going through the Energy one atm. Our case was adjudicated on and the final letter of findings issued, we didnt agree with the findings I asked what other channels were open and was stunned to be told it could be escalated to the Ombudsman.......

It appears that cases are initially adjudicated on by admin staff and only if you ask for escalation does an Ombudsman get involved. This stunned me, and I wonder how many people just accept the findings of the "Ombudsman" when really they have never seen the case?

heavenlyharry

I never considered that the sealant needed replacing every 2 years!

mildred1978

heavenlyharry wrote: »

The shower/bathroom was fitted approximately 4.5 years ago.
We did not think to check/re-seal the shower as there was no sign of damage to the sealant.

If you have never checked it how did you know there was no damage? (There obviously was damage/wear.)

I'd much rather check it regularly and replace it 2-yearly than have it leaking

DaftyDuck

So, how long would the professionals expect bathroom sealant to last? Current house is 3 years (3 showers), none showing any wear (and no leaks in 2; I can see under them), and previous houses, I have never had to redo it. But what's the professional view?