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Flooded basement claim, any experiences?
Jamiesince1990
Posts: 1 Newbie
Hello everyone, I'd like to ask if anyone has had any experience with insurance claims regarding basements.
We live in a double terrace with a basement which was converted by the previous owner, over the last few weeks we notice a damp smell and thought nothing of it at first, but after removing the flooring we found it was saturated so we have remove the majority of the flooring and there is now a puddle forming in the middle of the room, I knocked a hole in the wall to check if there is a tanking system and its just a bare brick wall!
We've got a surveyor coming out to us soon and hoping to God that we are covered, we informed the insurer that we had a basement so surely we will be covered.
We live in a double terrace with a basement which was converted by the previous owner, over the last few weeks we notice a damp smell and thought nothing of it at first, but after removing the flooring we found it was saturated so we have remove the majority of the flooring and there is now a puddle forming in the middle of the room, I knocked a hole in the wall to check if there is a tanking system and its just a bare brick wall!
We've got a surveyor coming out to us soon and hoping to God that we are covered, we informed the insurer that we had a basement so surely we will be covered.
0
Comments
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It depends on what has caused the water to come into the basement.
If it's been ongoing for a long time then the insurers could potentially reject the claim on the basis that the damage is gradual and has been happening over a period of time.
If water is coming in because the room isn't tanked, then it's likely not to be covered.0
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