Buildings insurance Q

edited 30 November -1 at 1:00AM in Insurance & Life Assurance
6 replies 923 views
stinabeanstinabean Forumite
174 Posts
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edited 30 November -1 at 1:00AM in Insurance & Life Assurance
Hi folks

Never claimed before or even know how it all works. Just got our first house/mortgage six months ago and have insurance with Halifax.
After running a bath the Oh noticed a leak through the ceiling coming from the ceiling light. Fairly regular dripping and has since stopped.

We have zero clue if this is due to a leaky bath, !!!!!!ed pipe etc and not sure where to start.

Would our insurance likely be able to help here or should I bypass and just ask a plumber/electrician to take a look? Only concern is we've been trying to get a plumber/electrician in for a while now for an unrelated reason and there are none in this area who can be bothered to return calls!

Thanks for any advice. :o
Pushing through to Jan 2020 to start saving and debt busting!

£8k loan
£0 savings

Replies

  • ValiantSonValiantSon
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    Chances are you would be wasting your time (and potentially money given excess and possible increase in premiums) by going to your insurer. You'd be best calling a plumber, but definitely not an electrician!

    You have my sympathy in finding a tradesman who can be bothered to come out, but perseverance will ultimately result in success.
  • dacouchdacouch Forumite
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    It is often the seal around the bath that allows water through.

    This is an easy job to do and we'll within the realms of any diyer

    If replacing the seal fill the bath with water before you apply the seal and leave the bath full overnight
  • hucksterhuckster Forumite
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    Lets presume £100 excess, plus say £50 increase per year over the next 3 years. So cost £250 approx for a making a claim. This is purely a guesstimate.

    There is then the issue of trying to make a claim, when you don't know what the issue is and what damage has been caused. Insurers won't deal with any water damage, until the problem issue has been found and fixed. No point in repairing any damage, if it will happen again.

    The Insurers won't cover plumbing issues or any property maintenance issues or any pre-existlng damage. So if you have a crack in the bath or a pipe, that is not covered by Insurance.

    So whether you have any claim to make is irrelevant at this point in time. Up to you to investigate your problem and if necessary get a tradesman in to help you. If no water was splashed over the surrounding edge of the bath, so nothing leaked over any gap around the bath, then I would suggest you investigate further. Remove the side panel from the bath. Fill the bath with cold water and get a torch to look for leaks. Splash some water down the overfill hole by the tap end, to see of the overfill pipe is cracked. If it is, then a cheap DIY job to attach a new pipe.
    The comments I post are personal opinion. Always refer to official information sources before relying on internet forums. If you have a problem with any organisation, enter into their official complaints process at the earliest opportunity, as sometimes complaints have to be started within a certain time frame.
  • ValiantSonValiantSon
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    dacouch wrote: »
    It is often the seal around the bath that allows water through.

    This is an easy job to do and we'll within the realms of any diyer

    If replacing the seal fill the bath with water before you apply the seal and leave the bath full overnight

    It can be, but not always. It could be worth trying that first, but there is a chance that there is a leak elsewhere.
  • FutureGirlFutureGirl Forumite
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    Your insurer won't find out what the problem is, that is for you to do.

    Once you know the problem, check your policy to see if it's covered and, if it is, then you can claim.
  • stinabeanstinabean Forumite
    174 Posts
    Sixth Anniversary 100 Posts Name Dropper Combo Breaker
    Thanks for all the help - got a plumber in to take a look and leak cannot be found :rotfl: will continue to keep an eye.

    Thanks again!
    Pushing through to Jan 2020 to start saving and debt busting!

    £8k loan
    £0 savings
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