Insurance - Burst Pipe - Electrical Items PAT Test

BleachBoy

We recently suffered a burst hot water pipe upstairs. The water poured through the ceiling for 2-3 hours and covered pretty much everything. Water was pouring out the bottom of the TV when we removed it from the room and the same was pretty much the same with all the electrical items we removed (with listing them all the likes of Xbox One X, camera, amplifier, speakers etc).

The insurance company were informed straight away and took a total of ten days to send in a specialist damp/drying company, citing the delay as "waiting for asbestos results" even though 90% of the items had been moved to another room.

Now they are sending someone in to do PAT tests, saying if they pass the test, the items will be removed from the claim.

Having read various information, I am aware about lifespan being shortened, corrosion of internal components and even potential future fire risk. I also emailed a few of the manufacturers and retailers and they confirmed the potential damage and that 100% my warranties on said items are now invalid. We have a new for old policy if that makes any difference.

My question is twofold; how best to proceed? and where I actually stand legally?

forgotmyname

You prove to them that the water did in fact cause damage to the appliance/device.

Its not salt water so the risk of corrosion is very small.

Blibble

As above, although note as well that your policy will likely exclude cover for any warranties or guarantees; i.e., don't think they'll be replaced because they now do not come under the manufacturer's guaranatee.