0800 002 5819 claims@claimrite.co.uk
  • Having a leak in the home can be stressful, whether it’s a small leak or a large leak
  • Thankfully, most insurers cover water damage to the property caused by a water leak
  • However, the house insurance claims process can be confusing:

Read on to find out how to make a successful water leak insurance claim.

Or contact us at Claimrite to handle your claim: 0800 002 5819

Steps Before Starting Your Water Leak Insurance Claim

You need to follow a certain process for the best outcome when claiming on house insurance for water leak. Your first step is to assess the damage caused by the leak and minimise further damage to the property. Remember; even small leaks can become a bigger problem.

Mitigate Water Leak Damage

Close the water stop tap to shut off the water supply: usually on the ground floor of the property – this will help to limit further damage and could reduce the cost of any repairs.

Close the mains water supply stop tap if there is a risk of serious water leak damage: usually on the boundary of the property – this will help to limit water damage from leaks.

Turn off your central heating if it’s active: use the stop tap next to the boiler, shut off the boiler at the mains and run hot water to drain the system – this will help to limit further damage.

Turn off mains electricity if the water leak or burst pipe is near electrical outlets or appliances – this will help to avoid electrical damage and any harm to occupants or tradesperson.

Get Professional Help

Contact a trusted professional to assess the extent of the water damage and carry out any emergency repairs necessary. Make sure you do an adequate amount of research before making your final decision.

In most cases, you will need to contact an emergency plumber, however…

  • If it’s a leak in the mains: contact your regional water supplier.
  • If it’s a roof leak: contact a local roofing professional.
  • If the exact location of the water leak is unknown: contact a leak detection expert for a trace and access service.

Log Events With Evidence

Document events with photographic evidence for your home insurance provider. Take clear photos of the water leak and any damage caused to household items, and maintain a detailed timeline of events.

This will improve the likelihood you’ll make a successful water leak insurance claim and any claim on your contents insurance.

Reporting To Your Insurance Provider

Now that you’ve taken the initial steps to deal with the water leak, you need to act quickly and report your leak to your home insurance provider.

Making a successful water leak insurance claim is more likely if the incident is reported promptly to home insurance companies, because you are indicating that you are taking reasonable steps to minimise any damage caused by the leaks. Contact your home insurance provider to begin your water leak insurance claim and provide them with all the evidence you have gathered so far.

Important Steps:

Make sure that you continue to document events throughout the home insurance claim process.
 This includes:

  • Your leak: Any developments to the leak or further water damage in the home.
  • Your claim: Keeping a record of all correspondence with the insurers (letters, emails, phone calls).
  • Your ‘cost to repair’: Quotes for repairs and any related correspondence with a loss adjuster.
  • Your repairs: Logging any repairs or restoration work with notes, photographs and receipts.

Consider: Is It Worth Claiming On Insurance?

One thing to consider during the process of claiming on insurance is whether it’s actually cost effective.

Once you have a quote from the appropriate tradesperson for the repairs to your home, there are a few things you should think about before making an insurance claim:

  • Is the cost of repairs considerably more than the excess on your policy?
  • Is the cost of repairs high enough to justify a claim (Increasing your insurance premium)?
  • Is it worth losing your No Claims Discount (NCD)?

If it’s a smaller leak to the property, it may be more cost effective to pay for its repair yourself.

First, you should look at your insurance policy and weigh up whether the cost of repair is considerably higher than the excess; if not, you will lose your NCD (5-6% for most insurers) and incur an increase to your home insurance premium (sometimes 60% or more) without much pay-out from the insurer. Long term you’ll pay more, as insurance companies can see if you’ve made a claim on insurance for 6 years afterwards and charge you a higher premium.

If the immediate cost of repair is considerable enough to justify the impacts to your future home insurance premium, proceed to make a claim.

Reasons Your Insurer Might Reject Your Claim

An ‘escape of water’ claim is fairly commonplace, and so water claims are usually successful. However, there are certain scenarios where many insurers might reject or challenge your water leak insurance claim:

You didn’t address the water leaks quickly enough

One of the most common reasons your claim might be rejected is if the insurer deems that you didn’t act quickly enough to address any leaks. That is why it is so important to follow the steps above before making your insurance claim; to indicate to your insurer that you have acted to minimise damage to the property and make them aware of your claim as quickly as possible.

You hadn’t taken reasonable steps to maintain the home

It’s your responsibility to keep your property in a good state of repair. If any leaks in your home resulted from wear and tear and a lack of upkeep, the insurer may challenge your claim and you may not be covered.

What To Do If Your Insurer Rejects Your Claim

In the unfortunate event that your house insurance claim was unsuccessful, it’s important to know the following information:

Loss Assessor

If your insurer rejects your water leak insurance claim or you are unhappy with the amount your insurance provider has offered you, you do have the option of enlisting a loss assessor. A loss assessor works on your behalf using their past claims experience and expertise to try to secure you the best possible settlement figure from your insurer.

Loss Adjuster

Be aware that if you escalate your claim by hiring a loss assessor, the insurance company may appoint a loss adjusterto investigate your claim. Loss adjusters are claims specialists paid by insurers to investigate contentious claims on their behalf, especially when facing a large pay-out to a policyholder. If a loss adjuster is appointed, they may need to visit your home to assess the damage and gather evidence for the insurance company.

For help claiming on house insurance for water leaks, contact Claimrite at 0800 002 5819

 

If you would like to speak to an expert about this or any other aspect of your claim, call our free Property Claim Helpline on 0800 002 5819, for a no obligation consultation.

Disclaimer

 

All content within this or any column, or via the free helpline, is provided for general information only, and should not be treated as a substitute for the Insurance advice of your own broker or any other insurance professional. Claimrite is not responsible or liable for any decisions made by a user based on the content of this site or the free helpline.

Claimrite is not liable for the contents of any external internet sites listed, nor does it endorse any commercial product or service mentioned or advised on any of the sites. Always consult your own Insurance broker if you’re in any way concerned about your insurance cover.