When water damage occurs in a property, whether residential or commercial. The owner more often than not has insurance to cover the damage. For example the insurance company will cover any damage that is caused by floods, or damaged pipes within your home. If your property is damage by water from nearby rivers more than likely your insurance company will not cover cost for this. claims on you home insurance can prove difficult
There are many rules and regulations when it comes to your insurance provider covering you for water damage. For example they may well cover you if winds caused damage to you roof and rain than flooded your home, but funnily enough you may have problems if the issue at the property is caused by a storm surge.
Below are a few water damage claims that are typically covered by insurance with water damage repair contractors in London
o Burst pipes
o Bathtub and sink overflows
o Washing machine and other appliance overflows
o Water damage from leaking roof
London insurance policies and contracts are known to be riddles with loopholes, in favour of the insurer, let’s look at an example, if your burst pipes were a result of an extremely cold night causing them to freeze over, most insurance companies would send contractors to cover for this, however if it was a case that you left the heating turned of for a lengthy duration then you can bet that the claim would be rejected really quickly. This is as they will claim that you haven’t taken necessary preventative measures
also lets say your dishwasher leaks and causes damage to flooring and interior walls, your insurer may cover the cost and repair of the interior damage, but may not actually cover the repair or replacement of the actual dishwasher.
.The following water damage claims are generally not covered by standard homeowners insurance:
o Flooding from an overflowing river or lake
o Sewer backups
o Water seepage
Normally as we said earlier insurers in London don’t like to pay out for water damage caused by natural flooding, i.e flooded river banks and floods caused by torrential rain, if you do want to be covered for events like this you will need to get national flood insurance.
Similarly drainage floods are not generally covered my normal insurance companies, you will find that actually tend to specifically state in the policies that they will not cover this. You may however be able to add it on for an increased premium
Clearly, water damage related insurance claims in London are complex. Professional water damage restoration experts in both mopping up the mess as well as navigating the complexities of what’s usually covered and what’s not.