This type of 'claim' is becoming more and more common and it is important to know what circumstances are or are not claimable. Here are a few guidelines and examples to help form a better understanding of this type of claim:
The repair or replacement of a leaking or rusted pipe is considered to be a normal maintenance related cost. Other common maintenance related issues also include:
- Leaking bath or shower taps
- Shower waterproofing
- Silicone sealing needing replacement
- Rising damp
- Roof waterproofing
Damage in terms of your Barker Private Clients policy wording is defined as:
Physical loss or damage caused by a single, sudden, unintentional and unexpected event, which occurs at an identifiable time.
A leaking or dripping pipe is not the result of sudden damage and would therefore not be covered. A leak caused by a pin hole for example would be something that has occurred gradually and over a period of time.
Check out the following common scenarios:
1. A Burst pipe (sudden event) with resultant water damage:
We will pay for the locating, repair of the pipe as well as the "putting back" e.g. re-tiling and replacing any other resultant water damaged areas e.g. ceilings damaged, carpet damaged etc.
2. Deteriorated or rusted pipe, pin holes, slow leak or damp over time:
These instances would not qualify as an insurance claim, as there is no sudden water damage. Loss is caused by gradual deterioration over a period of time.
3. Deteriorated or rusted pipe - but sudden burst/ collapse of a pipe with the sudden appearance of water:
We will pay for the resultant water damage to, for example; ceilings, carpets or laminated flooring and cupboards. The locating of the leak and the repair as well as "putting back" e.g. re-tiling will be for the unit owner or - if located on common property - body corporate's account.
It is important to apply a regular amount of maintenance to your home, to avoid minor leaks turning into major problems.