Home insurance claim about an old leak that was discovered recently

reduced_cocobun

Hello folks,

 

I recently bought a house (this is my first month in). Soon after moving in, I realised that there is a leak coming from the top floor. I called a plumber for investigation and it appears that the shower is leaking from underneath the tray for a while. As a result, the floor (cheap wood board) has rotten underneath the shower. The plumber also pointed that there might be more damage to the rest of the floor, but they must remove the tiles to figure out, etc.

 

Their quote was a little bit more that £4000 with the possibility of more in case more damage has been done that they couldn’t figure out.

 

I have purchased the cheapest house insurance from quotemehappy.

 

I tried to claim but it was saying that the leak should be fixed by myself and they would only cover the damage that has happened to the house. Given that the damage has probably occurred before I got insured with them do you think it’s worth claiming anyway?

 Thank you

elsien

It’s normal for insurance to only cover the damage cost rather than the repair itself.

DullGreyGuy

reduced_cocobun said:

Hello folks,

 

I recently bought a house (this is my first month in). Soon after moving in, I realised that there is a leak coming from the top floor. I called a plumber for investigation and it appears that the shower is leaking from underneath the tray for a while. As a result, the floor (cheap wood board) has rotten underneath the shower. The plumber also pointed that there might be more damage to the rest of the floor, but they must remove the tiles to figure out, etc.

 

Their quote was a little bit more that £4000 with the possibility of more in case more damage has been done that they couldn’t figure out.

 

I have purchased the cheapest house insurance from quotemehappy.

 

I tried to claim but it was saying that the leak should be fixed by myself and they would only cover the damage that has happened to the house. Given that the damage has probably occurred before I got insured with them do you think it’s worth claiming anyway?

 Thank you

A claim would need to be made on the insurance that was in force when the leak started which clearly isn't going to be yours. 

Insurance covers the damaged caused by escape of water not the actual the cause of the escape of water unless thats covered by Accident Damage or another insured peril. 

Insurance also doesn't cover the progressive damage of an issue.... burst pipe that floods your kitchen is covered, failed grout that causes damage over 9 months isn't other than in certain circumstances and then it will be a case of estimating the original start of the problem 

reduced_cocobun

thank you both for your commending