Is a Leak Covered by Home Insurance?

Water leaks are frustrating and they can be incredibly overwhelming. The risks involved with not finding and repairing water leaks as quickly as possible can be catastrophic. They could pose a risk to your health and to your property. So, not only is it important to have your leak repaired, but it’s also important to be aware of how much it’s going to cost and whether your home insurance can cover it. 

Home insurance is a life saver when something goes wrong but every policy is different, so you’ll want to stay on top of what is and what isn’t included in your home insurance policy. This will help you avoid disappointment when trying to make a claim.

Is a Water Leak Covered by Home Insurance?

Most standard building insurance will help to cover the cost of any repairs to the structure of your home. If you want to insure the contents in your home, then you’ll want to also take out contents insurance, with specific named items covered. But this does mean that most home insurances do generally cover any damage caused by water leaks, whether that comes from tanks, pipes or the central heating systems. 

However, often this doesn’t cover the damage to the leak items themselves, unless it’s the result of freezing. Though, you may be able to claim it as a home emergency if that’s a part of your policy. If it is something that you’re particularly concerned about, then it’s easy to double check your policy and make amendments if it doesn’t include ‘water escape’ protection.

What is Covered By your Home Insurance?

The right home insurance should cover the cost of removing and repairing or replacing the source of your leak and the part of your building that will need to be removed to find it. This should be a complete service that will take you from start to finish. But policies do vary and it’s important for you to make sure that you know what to expect before you encounter an emergency. Knowing what your home insurance does and doesn’t cover will help to remove a lot of the stress you can experience when you encounter a leak in your home.

When is a Leak not Covered by Home Insurance?

There are always going to be moments when your home insurance doesn’t quite cover your water leaks. If your water leaks are caused by the failure or lack of grout or sealant then your insurances are unlikely to cover it. So, it’s important for you to make sure that you properly maintain your home and keep it in good condition. Not only will this ensure that you continue to be covered by your home insurance but it also limits the chance of you having a water leak in the first place. 

It’s important for you to remember that water leaks often require claims from both buildings and contents insurance. Water leaks can cause serious damage to your furniture as well as the structure of your home and it’s important for you to be ready to take out claims for both. 

How Can We Help?

Here at Specialist Leak Detection, we want to make it easy for you to make a claim. This is why we offer an insurance service, which can help you to support you in the aftermath of a stressful experience. We have navigated the industry for years and can offer you helpful advice, making the entire process as easy as possible. 

So, if you’re looking for help, then we are here for you. You can get in touch with us today by giving us a call today on 0800 640 5419 or email us at info@specialistleakdetection.co.uk. We would be more than happy to help.