Buildings Insurance UK
Buildings Insurance UK
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Has anyone ever claimed on Buildings Insurance for leaking underground water pipes and also disruption? UK?
Hi all – that sinking feeling when you realise you have a leak and its between the meter and your property – yep I have that…
So I am wondering whether anyone has claimed on Buildings insurance for the assessing, tracing, locating (Digging) and repair of said leak? As I understand my buildings cover should cover this (excess payable).
Not sure where the leak is having only found out we have a leak (Stopped mains and dial is spinning away plus we have used an unreasonable amount of water in a very short space of time) We do know its between meter and the internal stop cock. But thats 3 different rooms and a driveway in between! So somewhere along the line….theres a leak.
Also anyone else who has had this problem….how was the pipe repaired and did they dig internal floors and the driveway up to fix?
Any info (Sensible) would be most appreciated. I have turned all water off at the meter now to stop another load of water seeping off somewhere…
I had this problem on a job, the house in question was built on a concrete raft as the ground was unstable when the place was built. The main had burst at the point that it entered the dwelling the copper pipe went into a clay pipe duct and had chafed on the edge of the pipe. The water board will trace the main and give you some guidance to the point of entry. You are normally able to see signs on the surface when water is leaking and you also should be hearing a noise within the property when things are quiet.
As for claiming, Insurance companies tend to pay for the damage done but not for the repair. A new water main is not that expensive, the pipe is plastic now and the main expense is the excavation across the garden ( 30″ 750 mm below surface min. ), you could just renew it to your boundary and join onto the existing pipe. If its an old lead main then the water board will normally connect it free as a lead renewal.
The other point you asked you can join into the cold water pipework at any point within the house so don’t think that you have to get back to the existing main internal stop tap all you do then is to cap the old supply point at the stop tap.