Leak and insurance

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andyfp

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We discovered a leak behind the kitchen units the other day. Got joiner out to remove the units for access. Located the leak,

Click link for image

http://www.postimage.org/image.php?v=aVoD0XJ


Anyways made a running repair and decided to call the British Gas insurance claims section, no worries cos we're insured !!! how wrong we are. We were told by the operative that its only from the mains OUTSIDE, inside is not insured.

Round TWO, call the household insurance, bricks and mortor cover. Explained our plight, then the kick in the goolies.

Sorry sir your insurance does not cover wear and tear !!! BUT, it does cover you from water leakage damage. The laminate flooring is buggered, the concrete floor is soaking, the wall is soaking, so they have aaranged for assessors to call within 4 hours of our call this morning at 08.45am.

The freaking British Gas insurance will be cancelled, we have renewed the old feed with the blue pipe to the main intake into the house.

Just goes to show, they say your covered but come the time to claim, SORRY SIR/MADAM your policy does not cover blah blah blah.

Theiving robbing frigging swines.
 
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nobby478

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Typical insurance .... ripping people off from time immemorial.

This from a company that has just declared record profits of 58,000,000 !!!


I would have thought that a water leak from a concealed pipe could NOT be called wear and tear...how does a bit of pipe get wear and tear. More likely the old lead piping has gone crystalline and popped a leak, which to be fair, is age related, but wear and tear is a strange term to use.


How many people turn the water off at the mains when they go on holiday? Not many, I'll bet...but what about that flexible pipe into the back of your washing machine or tumble drier???

I had one blow once...luckilly I was down the pub, but the Mrs. and a big strong pal were in...Phew!!!
 

andyfp

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Its an old lead pipe not in use nobby.It was the main feed to the header tank, that was removed when we put the new combi boiler in years ago. The main feed was put in about 5 years ago with the blue pipe that the water board recommend,
The old lead pipe was connected to copper pipe, which in turn was into the header, the copper pipe was blanked off.

Anyways just had a call from the insurance company and they are coming out on MONDAY to assess the damage, IF, yes IF we are covered we can claim for a new laminate floor and any damage to the units,

I'm not holding my breath
 
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rawww

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My oldies had a leak in the pipework above their kitchen that supplied the bathroom upstairs, bought the whole kitchen ceiling down smashing up a load of stuff in the process. They got onto the insurers and after the assesor came out agreed to repair/replace everything that had been damaged, but..... they repaired all the ceiling etc and never acually bothered to fix the leak that caused it in the 1st place a week later and the roof comes through again. It took over 2 months to get it sorted that time because the insurer wouldnt admit it's contractors were at fault...
 

andyfp

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Thats the trouble is mate, its not the insurers place to repair the burst, its not covered, the customer has to pay out of THIER own pocket. As far as i know the leak has to be proved not to be normal " WAEAR AND TEAR " whatever that is !
 
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groundhog

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Sorry to hear of your plight andyfp mate,but it would be interesting to find out what exactly they class as "wear& tear" .
 

andyfp

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Tar mate. I asked the call centre operative what " NORMAL WEAR AND TEAR " is, guess what, thats the answer, normal wear and tear, EXPLAIN that i asked, well, " NORMAL WEAR AND TEAR " the chic could not answer my question.

Pathetic bloody pathetic
 

Triturus

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It's a bit of a strange one, as we had a leak in the loft as a result of the deterioration of a washer on the coupling to the header tank. Just a steady drip drip drip, but water and gravity being what they are the dining room sealing came down. Single call to insurance (RIAS), emergency plumber came same day (sunday), insurance assessor came tuesday, whole room red******ed new ceiling new coving.Job completed by end of following week. Only thing I had to pay was 50 excess on the policy.
Issue must be down to wording of your policy as my senario sounds much more like wear and tear than yours.
 

andyfp

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All done and dusted.
We called the insurance company and they said we could claim for the ruined laminate floor tiles and the under felt cushion stuff. Got an assessor coming out on the 16th from the flooring "experts " and a claims assessor from the insurance company this Monday. Not holding my breath i must admit. Whatever it costs them if we claim, they will only bang it on next years premium [:(!][:(!][:(!]
 

lee gary shaw

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I'm a plasterer and plumber and do insurance work. The work i carry out as regards plastering is paid for by the insurance company, but i couldn't believe the first water leak claim i carried out, the plumbing had to be paid for by the house owner. It's totaly stupid. When i do work like this though for people now, i tend to speak to the house owner and sort out the qoute for plastering to be that bit more expensive to cover the plumbing cost if you know what i mean!
 

andyfp

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Originally posted by lee gary shaw

When i do work like this though for people now, i tend to speak to the house owner and sort out the qoute for plastering to be that bit more expensive to cover the plumbing cost if you know what i mean!

People would see that as fraud, would'nt they ?
 
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svenc

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Yes Andy that is fraud. Its called over claiming. The company wouldnt be expected to meet the gap, it would be the householder. The insurance company would only pay what is liable under the policy. Anything over if deemed excesive would be met by the policy holder.
 

andyfp

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It cost me the princely sum of 60 to get the units removed and the old lead pipe removed and new copper pipe to replace it. No doubt a plumbing business would have cost an arm and a leg. But we are happy with it, no more leak, YAHARRRR

Now the fun begins, the assessors are coming out tomorrow, and the flooring specialists on the 16th August, lets just see what we have been paying insurance for over the past 20 odd years in this house, !
 
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