Barker Insurance

Burst pipes – Understanding how they are covered

Burst pipe

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.