House Insurance ( Please Read The Small Print )

[JKD]

Just now, oowee said:

👍 thankyou for supporting him. 

I have been insured with them for many years. I had a similar claim in Birmingham and they refused cover. I paid the first £750 for a concrete floor sample then they agreed the claim. A total of nearly £70k. 

Yeah, sometimes it's worth pushing, like in your case,,,, WOW ! But in MM's case, it should be quite simple and cheap ish to lift up some block pavers and etc etc. And fingers crossed the leak isn't inside the walls of his property, beneath the floors !

MM has a guy on board, so he should be reporting back soon 👍

[marsh man]

2 hours ago, JKD said:

Yeah, sometimes it's worth pushing, like in your case,,,, WOW ! But in MM's case, it should be quite simple and cheap ish to lift up some block pavers and etc etc. And fingers crossed the leak isn't inside the walls of his property, beneath the floors !

MM has a guy on board, so he should be reporting back soon 👍

Update on todays progress , very stressful day to say the least , the chap dug a lovely square hole on the edge of my lawn where we thought the problem was and it wasn't , so they dug across my driveway towards the meter to see where the water main returned up my drive heading towards the outside of my bathroom and once again we came to a blank and ended up only three foot from the meter box , we were then along the fence line and had a 18in pier footing just below the surface where the main would have to run , we then came to the conclusion it ran up my neighbours side and cut across to my bathroom . so after we had a trench across the width of my drive and a hole in my garden we were still no wiser , so the next course of action was to dig down outside my bathroom and find what direction it went , this was about 4 pm and I was getting really pixxed off and was thinking in getting a firm in to take my drive up and put a new main in and then shingle it afterwards to cut down on the expense .

Then our luck changed , the chap took the paving bricks up just outside my bathroom window and when digging down it was very wet ,  time he packed in at 5.30pm we were very close to the problem , we now think it is leaking either at the joint on my stop tap in the bathroom or the pipe that go through the footing , so we might solve it tomorrow , or at least get it ready for a plumber to sort out , my garden hole had been refilled with the grass back in and the trench in my drive have been filled in so I can get my car in and out and my neighbour is going to repair the brick weave tomorrow afternoon as he go to church in the morning , so maybe we can get some help from the main man above if they come in contact tomorrow in the church 

PS  I have just read all the replies and I am very grateful for any help and advise , the thing is I am now losing whatever fight I had left in me to argue against insurance companies , hopefully the end now might be in sight and might not be as much , or much over than the £750 I thought I had to pay excess , I will keep you in touch .

Edited October 5, 2024 by marsh man

[JKD]

At least you've [hopefully] found the location of the leak. Fingers crossed it's an easy fix 🙏

I still believe that your insurance company are incorrect regarding them saying you're not covered for any of this. You have got trace and access, but you don't have 'Accidental damage to services', which this isn't ! Accidental damage to anything is just that,,,, accidental. If someone was digging in the ground for whatever reason, and hit and damaged the mains water pipe [or any services], that's accidental. It appears to be down to interpretation.

In my experience, I've been sent to similar potential claims to carry out the Trace and access aspect. If the pipework exposed is damaged say by rubbing on masonry or hardcore, or tree roots pushing on it, this is fixed [by the PH or insurance if cover exists] and then I return to reinstate my previous works.

It'll be interesting to see what has caused your leaking pipe, and hopefully it's outside, not inside.

If it's inside, are your floors concrete or suspended timber/floorboards ?

Edited October 6, 2024 by JKD