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:-( Boiler Leak - Self Fund Repairs or Attempt to Claim on Home insurance?

Hi all 

My boiler leaked last night causing damage to my ceiling and sofa (some minor discolouration of the walls too).
I got an emergency call out and the leak has been temporarily fixed while a new part is awaited.
I have included some pics here: https://photos.app.goo.gl/ncpXEPjibFdxESQcA

In your opinions, would I be better trying to claim off my home insurance for any needed repairs/replacements? Or should I consider covering the costs myself to avoid premium inflation?
The latter kind of defeats the object of having home insurance but I didn't think the costs to be incurred here would be sky high. That being said, the sofa suite was 2K. Hopefully it will all dry, clean and paint up well :-(

Many thanks 

Comments

  • daivid
    daivid Posts: 1,286 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I suppose if you are going to live with the water marks, or re-decorate yourself a claim may not be worth it. If you want to make it all good as new (and the insurance company will support this) make a claim. Can you run dummy quotes to find out the potential rise in premiums?
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