Are Blocked Drains Covered by House Insurance UK?

Are blocked drains covered by house insurance UK

Blocked drains are one of the most common causes of home insurance claims and you need to know if you’re covered. The good news is that there are several ways to claim for this problem. Having a CCTV survey of your drains can help you determine exactly what’s causing the blockage. Having this footage can help you prove that poor maintenance caused the damage.


When a drain becomes blocked, it can be difficult to know how to fix it yourself. In many cases, it will require professional help. You might want to contact your insurance company to find out what is covered and what the cost of removing the blockage will be. In some instances, you may need to pay a small fee for the services of a plumber.

Although blocked drains are a common problem, insurance providers do not usually cover them because they are a preventable problem. In many cases, blockages occur because people make careless mistakes, such as flushing things down the toilet that should be placed in the bin. Insurance providers, therefore, expect home owners to snake their drains periodically.

Collapsed drains

A homeowner should check their insurance policy to see if collapsed drains are covered. This coverage is often available under the accidental damage category, although there are some limitations to this type of cover. The insurance provider may also charge an additional premium for this type of coverage. In any case, it is important to read the policy carefully to determine if this type of coverage is available.

Regular maintenance of the drain system will help to minimise the risk of collapse. Regular inspections by fully accredited specialists are essential and can show insurers that the drain was properly maintained. Having your drain inspected by a specialist will help your insurance provider to understand the damage and the cause.

Baby wipes

Blocked drains are a common occurrence, and they are not always covered by your house insurance. This is because they are usually the result of carelessness, such as flushing something down the loo that should go in the bin instead. However, your insurance company may cover you for blockages caused by landslips or subsidence.

Tree roots

If you have a large tree in your garden, you need to be aware of its roots. They can damage your property and drains, and you may have to replace them. Your building insurance should cover any damage caused by tree roots. It should also cover any damage caused by tree roots that invade your neighbour’s drains. This kind of damage should not be overlooked, and you should contact a qualified tree surgeon to get your property assessed.

However, the problem of tree roots can cause drainage problems, since they follow moisture and the best solution is to lay new drains. Fortunately, modern drains are specially designed to withstand tree root damage. This is the best solution for the long term.

Click here to learn more about drain unblocking derby

Call for a no obligation quote

Perhaps you’re concerned about your budget and finances when it comes to home improvements. If this is the case, give us a call about your budget, and we will offer you a free quote without any pressure. We will also work with your budget to ensure you get the desired fence.