Allianz Home Insurance - Drains

tinshed

Never ever made a claim on Home Insurance till now.
Our drain has been blocked a few times. I myself have shoved a rod up to unblock it in the past.
As I have emergency insurance I called them out twice in the last 2 months to unblock the toilet. The same guy has come out twice, he now claims that the pipe could have broke or subsided.

I rang Allianz to make a claim. When asked by Allizanz when did this start I said January (first time the emergency callout guy came) I forgot to mention that I have tried unblocking it a couple of times in the past, when one of them stupid toilet freshener things got flushed.
Now they are sending a specialist out to stick a camera down to see what the problem is. If its wear or tear or faulty workmanship they wont cover it.
Now Im worried that I could have caused the damage when I rodded it and because I never told them this I wont be covered.

Any advice? As I said, I have never ever made a claim before and I got a bit flustered on the phone with the lady I spoke to.

dacouch

Are there any trees or big bushes near it?

tinshed

No.
Its a concrete yard that backs onto a hardstanding alley.

InsideInsurance

Depending when you did the rodding in relation to you starting your cover with Allianz then it may be preferable that it is the cause as subsidence will be a very expensive issue to have and wear and tear isnt covered by the insurance but AD whilst doing DIY is.

tinshed

InsideInsurance wrote: »

Depending when you did the rodding in relation to you starting your cover with Allianz then it may be preferable that it is the cause as subsidence will be a very expensive issue to have and wear and tear isnt covered by the insurance but AD whilst doing DIY is.

I rodded twice five months after the policy began. Once in November and again in December.
Stupidly I got myself confused and said the first time was the beginning of January this year when the Plumber came out initially on my emergency policy.

I think I should ring and clarify exactly when and how this may have happened. Also I do have AD for Main Services.