Loss Adjudicator Making 2 Claims

DavidWFC

I recently identified a leakage issue originating in the corner between my sink and integrated washing machine. This problem remained unnoticed due to the presence of vinyl flooring, until it began damaging the skirting boards and kitchen plinths. Upon investigation, I determined that the source of the leak was the washing machine's supply line, which I subsequently repaired.

In response to the kitchen damage caused by the leak, I initiated a claim with my home insurance provider. A loss adjudicator was dispatched to assess the extent of the damage, and their evaluation revealed evidence of two separate leaks. One originated from the washing machine, while the other emerged from the sink. As a consequence, I have been informed that these would be treated as two distinct claims, each associated with its own respective excess.

I am uncertain whether this division into two claims is warranted, given that the underlying issue was a single instance of damage within a concentrated area. I'm cautious of whether this interpretation is accurate, or if I have any basis to contest this approach? I believe it should be a single claim.