firstly you need to check your policy. You might not have cover for water damage. if you have, then you need to find out why the water is leaking. Is there a pipe leaking or are you simply letting the bath/sink overflow?
Phone 123 and ask. they are brokers and should assist you in pursuing the claim, if the claim is valid
Is it possible to get holiday home insurance without an unoccupancy clause? (The holiday home is only used by ourselves and relatives - it is not let out).
Ravima,ED54 - Many people only insure their houses for FIRE.
If you do not have one of the comprehensive type policies, then you would not have the cover.
ED, we must agree to disagree.
I was simply responding to the original question asked. You initially stated that in most cases this type of incident is covered under your policy. At that stage, it was not at all clear from the poster if the damage was caused by an insured peril. Water damage can be excluded by some insurers for rented dwellings and multi occupancy houses, ie bedsits.
The cheaper cover, which covers fire and some specified perils, does not usually cover busrt pipes or gradual leakages of water. It costs a bit less than the standard comprehencive policy, but some people take this cover out, on grounds of economics. it is still available and is still purchased. I would agree that it is not much cheaper than the comprehencive policy, but people are people.
Also, under the comprehensive policies, some insurers now exclude gradual leakage of water, fro mfor example, under the shower.
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