What does insurance cover when a drain collapses?

toscat27 · 3 December 2020 at 11:29AM

I suspect the end wall of the house is subsiding and the cause may be a drain collapse, although I've had not problem with the drains and there's no smell. I know standard house insuance won't cover the repair to the drain (rats) but will they pay to put the subsudence right?

Sandtree · 3 December 2020 at 12:28PM

Need to read the exclusions under the subsidence section of your policy, normally they are things like bedding down on a new build, issues caused by major works you’ve had done, costal erosion etc and a the resultant subsidence of a collapsed drain would be covered.

BJV · 3 December 2020 at 12:31PM

It will depend on why the drain collapsed? what work if any was done ? when it was done? what you declared to your home insurance company? What level of cover you have? Hate to say it but no-one here will be able to answer as there are too many variables. You honestly need to speak to your insurance company and perhaps get a report as to when, how and why there is subsidence. Good Luck