Restoring your home or business after an Escape of Water
Burst pipes or leaking pipes, and water escaping from fixed appliances are the most common type of claim handled by Aspray.
As a result, our experience has taught us that what may look like a small leak on the surface, could be extensive damage behind the scenes. To sum up, you need an expert on your side.
These types of claims are common however, they are not as straightforward as you may expect. For instance, people often find themselves arguing their case. In other words, your insurer may believe better maintenance may have prevented an issue.
Additionally, the policy wording could be unclear. Infact, the insurance company frequently asks the customer to obtain three quotes from local tradespeople to fix the damage.
However, without knowing the extent of the damage, how can you know what repairs are needed? Above all, Aspray takes away this hassle.
Watch the case study video below!
How we support you on an Escape of Water claim
A member of the Aspray claims team will take some details of the property damage and details of your insurance claim if you have logged a claim. Next, our team will arrange for a Loss Assessor to visit your premises at time to suit you.
Property damage and
Review and sign the mandate instruction authorising Aspray to manage the claim on your behalf. In addition, we will assess the property damage to determine if you have a valid insurance claim and contact your insurer to get the ball rolling.
Aspray manage your
From here, your Aspray Loss Assessor will deal with all communications relating to your insurance claim. Therefore, you won’t need to handle onsite meetings with necessary specialists or representatives of the insurer.
Aspray will negotiate the insurance claim to achieve the best possible outcome on your behalf as quickly as possible. Having Aspray on your side, means that we will chase and aim to progress the claim as quickly as possible.
The settlement will be agreed, and your dedicated Loss Assessor will meet with you to discuss the agreed works. They will also collect your excess payment and agree a convenient date for works to commence.
The appropriate contractors will be instructed to carry out the reinstatement works at your property. Some elements of the works may be undertaken by the Loss Assessor personally.
the repair works
Reinstatement works will commence on the pre-agreed date, and your dedicated Loss Assessor will project manage these works to completion. Meanwhile, Aspray will update you on project timescales.
Your feedback and satisfaction are of paramount importance to us, therefore, we will meet you onsite, where applicable, to inspect and sign off on the completed works.
Commercial properties and Escape of Water Insurance Claims
The most common type of claim that Aspray handles is Escape of Water.
Commercial properties that have an Escape of Water could require expensive repair work. Should you discover a water leak in your premises, it is important to mitigate losses as quickly as possible. Above all, turn off your water supply at the mains!
Aspray helps commercial property owners across the country with their Escape of Water claims.
As a result, business owners can run their business without further distraction. The last thing a business owner wants is the stress that comes with making an insurance claim.
Therefore, an expert loss assessor like Aspray can be a useful service to contact.
Watch the case study video below!
Useful advice on an Escape of Water claim
If you have a water leak, or ingress of water at your property, you may consider making an insurance claim. Burst/leaking pipes, plumbed in appliances, or leaking roofs can be expensive because of the extensive damage they cause.
However, there may be a limited amount of money your insurance will pay out for due to the contents of your policy.
First action: stop the leak!
Before getting your insurance company involved, you should take active steps to stop the water leak itself accordingly.
For an Escape of Water, the first service you should call is either a leak detection company or a plumber. Additionally, if the leak is severe, ensure you turn off the mains stopcock.
Your policy will cover the damage as a result of the water leak, and MAY also cover investigative works required to source the leak!
However, it is important to check your policy documents to confirm if you have ‘Trace and Access cover’.
Your insurance policy and what you are covered for
Before you make a claim on your insurance, review your policy documents. In other words, your policy schedule will detail exactly what you are covered for.
‘Escape of Water’ claims are usually a standard feature of your policy. As a result, this would cover any damage related to water flowing within your property.
Water leaking from a pipe, tank, or appliance can all cause an Escape of Water claim. To sum up, your policy wording will detail exactly the causes that your insurance covers.
An Escape of Water however is different from ‘water ingress’. Water ingress is water coming from the exterior of your property, perhaps from missing or loose tiles on your roof.
Your policy will normally cover the costs required to repair a roof with damage due to an unexpected event like a storm. But the claim will not be covered if the roof is poorly maintained.
The risk of ignoring water damage
Often, homeowners discover damp and mould growth in their home, or raised/bowed flooring.
However, it is only on closer inspection, perhaps by a leak detector, that homeowners discover additional damage.
In this scenario, it is unreasonable to expect the homeowner to have intervened earlier. However, if the leak is visible at your property and you choose to ignore it, your claim may be rejected (referred to as repudiated).
Your insurance company will likely expect you to have done everything you can to mitigate the damage at your property.
Most importantly, failure to comply may result in your insurer turning down your insurance claim.
Validating your insurance claim
Providing you have cover in place, the amount your insurance will pay up to for a water leak at your property will vary.
Often, your insurance company will instruct their appointed Loss Adjuster to audit the extent of damage and repair costs.
A Loss Adjuster will work on behalf of your insurance company; however, you can appoint your own representation.
Your insurer and their appointed Loss Adjuster will consider whether the leak is from a fixed water pipe or appliance, leaking roof due to storm damage, or the result of general wear and tear or poor maintenance.
As a result, you may wish to have your own representation discuss such matters.
A comprehensive report will be put to your insurance company, as a result of our expert knowledge in property structure.
Escape of Water is one of the most common insurance claims
Escape of Water claims make up a third of all buildings insurance claims and are worth millions of pounds each year.
Therefore, it is a type of claim Aspray have vast experience in.
In present times, two factors have contribute to an increase in Escape of Water claims.
Firstly, the increase in home improvements and DIY, with people installing new water appliances, en-suites, underfloor heating, and showering facilities. These all bring about more potential hazards for an Escape of Water to occur.
Secondly, the UK is experiencing drastic temperature changes, with colder winters and hotter summers. Frozen pipes crack because of the expanding ice inside of them.
To summarise, the frequent variation in temperatures contributes to more pipes bursting, as frozen pipes are more likely to burst when thawing out as the weather warms up again.
This is why we do what we do!