Rainwater has seeped under kitchen floor - will insurance pay?

joaniemerc

We discovered wet grout in between our kitchen tiles and called the insurance co. who sent out a Track and Trace company who came yesterday.

After 2 hours of investigation they concluded that the wetness was from rainwater seeping through from outside under our kitchen floor as the level of the kitchen floor is lower than the dampcourse (our house is 1940s built) and the excessive rain from the last few years has seeped through.

He thinks a solution would be for a drain to be laid outside the wall to soakaway excess rainwater. The kitchen floor would have to come up to be dried out.

Just thinking that, as this isn't a leak, would the insurance company cover it? I know I can check my policy but am not at home and thought someone on here might have experienced something similiar.

TIA

kingstreet

I doubt it.

They may put right the effects of the leaking water, but they won't correct the cause, as that is not an insured risk.

InsideInsurance

So basically it is a design flaw? No cover, it is not an insured peril but you have made a claim by having them out to inspect