If you have a home insurance policy, then you should know whether your policy covers blocked drains. If it does, you should know what to expect from your claim. In this article, we will look at the typical causes of blocked drains, damage covered by home insurance policies, and the costs of making a claim.
Contents: Exclusions from home buildings insurance
Home buildings insurance policies cover the damage caused by drains and water pipes in your property. However, many policies also have a range of exclusions, which limit what your insurer will pay out in the event of an accident. For example, some insurers will not pay out if you experience a blockage caused by root growth or subsidence.
Common causes of blocked drains
There are a number of different causes of blocked drains. One of these is a build-up of debris, such as hair or tree roots. These can clog up pipes and cause serious damage to your property. Severe blockages can even crack pipes. If left untreated, these build-ups can even cause mould build-up.
Luckily, there are some things you can do to avoid blocked drains. While these tips can’t prevent every blockage, they can help prevent them from happening in the first place. As with all plumbing problems, it’s important to understand what causes a drain to get clogged, and how you can avoid them.
The most common cause of blocked drains is a build-up of grease and fat. The easiest solution is to avoid using soaps and food products that can build-up in drains. These substances tend to harden on the piping walls, making them very difficult to remove.
Damage that is covered by home insurance
The first step to finding out if your home insurance covers damage to drains is to read your policy carefully. This can help you avoid paying for unnecessary repair bills. The wording of your policy can play a major role in your claim, so you must make sure that you understand the exact details. For instance, if a pipe becomes blocked because of old age or corrosion, your insurance company may not cover the repairs.
Another way to find out if your insurance will cover damage to your drains is to conduct a CCTV survey. This will allow your insurer to determine what caused the collapse, and will provide proof of the damage caused. Furthermore, a CCTV survey will help you establish whether any damage was caused by negligence or if the damage occurred as a result of natural deterioration.
However, some insurers will only cover drains as an add-on to your general home insurance plan, so make sure you check your policy carefully to see if you already have cover for drains. In any case, the best way to ensure that your insurer will cover accidental damage to your drains is to keep them in good condition. Insured drains will be much less likely to pay out claims for damage caused by neglect.
Cost of claim
In the event that a tenant causes damage to a sewer line or a drain, the insured party may file a claim for repairs. A licensed technician will repair or replace the line. Sometimes, the insured party may be asked to sign a document acknowledging the repair. However, some insurance companies limit coverage for repairs to a certain dollar amount. If the cost of repairs exceeds this amount, the insured party may be responsible for the costs.
A broken drain line can cause major water damage and health hazards. It can take a lot of time and money to repair the damage. A public adjuster can assist in measuring damages and speaking with insurance companies. This professional will help you maximize your insurance claim. They also provide resources necessary to complete the job. If you’re wondering how to calculate the cost of a drain claim, read on to discover how much this service costs.
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