How to make a successful water leak insurance claim

Fortunately, the vast majority of homeowners have never had to deal with a water leak in their home. With regular maintenance and modern construction standards, the risk of significant water leaks has been reduced, but unfortunately, they have not been and never will be.

The purpose of this article is to prepare anyone who reads it with the knowledge and information required to ensure that if and when a water leak does occur, that they know what steps to take to maximise their chances of making a prompt and successful water leak insurance claim.

Reading: How to make a successful water leak insurance claim

water damage insurance claims

When it comes to filing a water damage claim under your home insurance, specific steps must be taken to ensure you receive the full payment to which you are entitled. A typical water damage insurance claim can cost thousands of pounds; That money is money you’re entitled to, but you don’t want to lose because of some technicality or misunderstanding of your responsibilities under the insurance contract.

why it is essential to claim for a water leak

Sometimes a water leak can cause minimal damage from water leaking through the roof, or much worse with a broken water pipe flooding your home; many policyholders are reluctant to claim should the renewal price increase in the future. Although this may seem logical, there is at least one important reason why it is important to claim on your home insurance regardless of the amount of damage caused.

future insurance claims may not be valid

If you don’t tell your home insurance company about a leak and fix it yourself or hire a professional to do it, you may be weakening your case in the future. Let’s imagine that for whatever reason, the leak is not fixed correctly, and the subsequent damage is much more serious. Your home insurance policy may not cover this secondary damage due to the policyholder’s failure to report the initial problem. In essence, the policyholder could be blamed for arranging for a shoddy repair to be completed, thereby invalidating your homeowners insurance policy. that minimal savings on policy renewal could turn out to be a costly mistake.

understand each step of the claim process

When it comes to making a successful water damage insurance claim, you need to understand the rules of the process. I would never attempt to play a game of chess without understanding the rules as I would simply lose very quickly, and the same goes for insurance claims. Before you begin the process, read through everything and make sure you have a firm understanding of everything that is required of you. Often when you try to make a claim, the insurance company staff will quote a specific part of the policy, invalidating your claim. however, they can often be standard rebuttals, and the portion of the policy that the insurance company staff member quotes may not even be part of your policy. If this happens, ask the person denying your claim to cite the section of your specific policy that denies the claim.

There is a wide range of terms related to insurance policies, too many to explain in this article. however, we have listed some of the more common ones below.

risk: this is essentially the property that is covered by the insurance policy; in other words, the risk to which the insurance company is exposed.

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hazard: hazard is the cause of any damage dealt, so it would be water in this case.

danger: danger and danger can confuse some people; the danger is the cause behind the danger. so let’s say the pipes burst, causing water to leak, causing the damage. the danger would be broken pipes.

Tracking and Access: Tracking and access is not so much about the cost of the leak itself, but more about the cost of locating and subsequently repairing the damage. the trace comprises the finding of the leak, and the access refers to its exposure and subsequent repair. so, for example, if the pipe that was leaking was buried under a concrete floor, then tracing would find the source of the leak (not as easy as you might hope), and then access would cover digging up the concrete to fix it. the damage. most policies now cover this as standard up to around £5000 per policy.

Armed with knowledge of the terms and what the process entails, your chances of a successful claim increase dramatically.

make sure you understand exactly what is being insured and what your responsibilities are

Many people are under the impression that when something happens, they just call the insurance company to report it and then sit back and wait for the insurance company to arrange a repair and pay the cost of the job. while that’s the ideal situation, it’s often not the reality, and this is one of those situations where understanding your individual policy is critical. If, for example, your company decides to send an expert to discuss the situation with you, it is essential that you have completed your due diligence prior to that visit.

This ensures that you can answer any questions he or she may have and not inadvertently say something, which weakens the strength of your statement. If there is gushing water on your property, the policy may state that it is your responsibility to call a professional company urgently to minimize the damage. the policy may also state that you will have to pay the costs upfront before being reimbursed at a later date. If you choose not to read the documents and excessive harm is caused to yourself because you did not respond as agreed in the policy document, this could affect your claim.

read the documents from your insurance company

The reality is that most people never read their insurance policy documents until something goes wrong. We believe that you should always read the documents before contacting the insurance company to make a claim, and if your home suffers a catastrophic water leak, there will be no time for that. Reserve some time today or as soon as possible to read your documentation. If you can’t find the documentation, you can usually request a new policy document from your insurance provider, or alternatively check your company’s website to see if the policy is listed in their customer portal. Being in possession of this document is essential when calling to make a claim.

things to remember when calling your insurance company to file a water leak claim

Never contact your insurance company without having your documentation at hand. always have a notepad and pen and sign and date every piece of information you add to the notebook. make sure you get the name of the person you are talking to and, if possible, their email address. At the end of the conversation, you could even tell them that you’ll email them a log of the conversation to make sure everyone is on the same page. If any part of your insurance policy is incorrectly cited, this email will also provide you with the perfect opportunity to highlight and cite your error and reference your document as proof that you are correct.

contact a leak detection service provider such as adi

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leak detection company KirkhamIn most cases, your insurance company will advise you to contact a professional leak detection company to locate and trace the leak source. After all, it is impossible to assess the full extent of the problem without knowing where the leak originates. Without knowing where the leak is, it is also virtually impossible for a plumber to either access or fix the problem either.

adi is the UK’s original specialist leak detection company. We have leak detection specialists located across the country and can usually respond quickly to help resolve your situation, resolving moisture from water leaks. We have invested heavily in the latest leak detection equipment, we even have our own research and development team, and all of our technicians are fully trained and insured. Simply put, if you have a leak, adi will find it for you.

the meeting of the expert

In most, but not all, cases, the insurance company will order an adjuster to visit your property to investigate your claim. this is not something you should worry about unduly. after all, this is a genuine claim and you haven’t done anything wrong, but many people tend to worry unnecessarily about this stage of the process. a loss adjuster is a completely independent party, which is important because they are totally unbiased. The good news is that the insurance company is usually prepared to make a settlement offer at this stage of the process. once the claims adjuster files their report, the claim is typically settled relatively quickly.

additional tips to ensure a successful water leak insurance claim

While not essential, there are a few other tips that can help increase your chances of success on a water leak insurance claim.

Always obtain photographic and video evidence of the damage done to your property. use your mobile phone and be sure to mention the date and time you are recording the video. this is further proof of damage and while it’s not 100% irrefutable, it will certainly help your case.

Never begin the damage repair process until you are 100 percent sure the leak has been fixed and is no longer a problem. the last thing you want is to spend money on the repair only to have the leak start all over again. There is also a great risk that the insurance company will not pay a second time if the leak repair is not completed correctly.

As long as there’s nothing in your insurance policy documents that prohibits it, always try to use your own independent contractors to get the job done. that way, the contractors answer to you and not the insurance company

It is always a good idea to retain the services of a licensed surveyor to assess the damage and produce a professional specification of work for the repairs that are needed. this shows the insurance company that you are not making additional or false claims.

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