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Would you expect house insurance to pay out for this?
Not me, thankfully, but someone I know has water coming in to their living room quite bad above the window.
They have a crack around their lintel area. Not in the recessed bit where the window frame will be but on the face of it as you'd stand in the living room looking outside. Water is coming in through this crack.
Wondering if maybe the cavity tray or whatever has failed. Whatever it is I think it's a bit beyond a blob of sealant.
They don't really have a lot of money spare & it wouldn't surprise me if this is going to be a costly repair.
Having never claimed on house insurance myself, would you expect house insurance to be able to cover this kind of repair or not?
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Assuming you have a standard policy then you would need to show that the damage is the result of one of the insured perils such as fire, flood, subsidence, accidental damage etc. If you can't show how one of these perils caused it then it's not covered.
Sounds like you are saying its just failed over time which isnt an insured peril and is a maintenance issue instead.
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No, sounds like neglect, allowing it to get so bad.
Have you a photie from outside, maybe not too big a job.
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I would think insurance won’t cover the repair, but it may cover the damage caused by the crack.
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This sounds like it could be a "devil in the detail" scenario.
If the water ingress is the result of inadequate maintenance over an extended period then it is unlikely to be covered by the property insurance.
If the water ingress is the result of a specific identifiable event then it is more likely to be covered by the property insurance.
Because of the potential nuances it might be impractical for an online forum to provide sound comment.
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I think the crack on the inside has been there for a while tbh.
As for exterior cause I'm not sure. It's absolutely bucketed it down with 60mph winds through the night so that hasn't helped.
The house insurance is a non starter too anyway after what I've since found out after making this thread. Couldn't believe my ears.
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Assuming it's a concrete lintel, I wouldn't expect it to fail unless there was an underlying cause such as subsidence.
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