Home Insurance help

badayuni92

Unknown to me my dishwasher has been leaking for a few weeks, the water has run under my vinyl floor and damaged the plywood and moulded all of the back of the vinyl which is foam backed.

Please can someone tell me if my home insurance generally will cover the damage to my floor and the dishwasher?

Any help will be appreciated

InsideInsurance

Escape of water normally is covered but you are covered for the resultant damage but not the leak itself which is considered a maintenance issue in these kinds of circumstances.

So flooring probably covered but dishwasher probably not. Read your own policywording first though to check what it says.

badayuni92

Thanks for your reply, so if i understand you correctly i am probably covered for the damage? Which will be a new vinyl? But i am not covered for replacing the dishwasher?

Also how long do you have to wait before you can make a claim on your home insurance policy?

InsideInsurance

There is no waiting period but home insurance cover is based on the date of loss not the date of claim and so if you had switched insurers yesterday and discovered the long term leak today it is almost certainly last years insurers you'd need to claim off as evidently it was the policy in force when the damage happened.

You'd just need to inform this years insurers that your NCD/ Claims history has changed

If you've just bought your first ever home insurance then you're not going to be covered as the damage occurred before you bought insurance