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Post by jimigoodwinsbeard on Jan 29, 2015 7:40:23 GMT
I think we may have a leak under our house, under the downstairs toilet at the back of the house. Next door neighbour has said that Severn Trent have advised that they have identified a leak and they think it is their house. I'm pretty certain its ours though. I dont think our House insurance would cover this and as its in our boundary then we would be liable for any repairs? Do i take out Severn Trents Homeserve policy today and try to blag it and plead ignorance. Or simply wait for STWater to go round next doors and then pay for repairs privately or through Severn trent repairing it? Never been in this situation regarding leakage under property.
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Post by Miles Offside on Jan 29, 2015 10:49:47 GMT
I think we may have a leak under our house, under the downstairs toilet at the back of the house. Next door neighbour has said that Severn Trent have advised that they have identified a leak and they think it is their house. I'm pretty certain its ours though. I dont think our House insurance would cover this and as its in our boundary then we would be liable for any repairs? Do i take out Severn Trents Homeserve policy today and try to blag it and plead ignorance. Or simply wait for STWater to go round next doors and then pay for repairs privately or through Severn trent repairing it? Never been in this situation regarding leakage under property. I think there's a substantial waiting period before you can claim on the Homeserve policy. If ST think it's your neighbour's house then ask your neighbour if they have an active policy they can use to cover the cost of repairs. If they haven't, then you can ask your neighbour what they're going to do about it as you're worried about the effect of the leak on your property. They might just pay up to have it fixed. But if the leak really is coming from your property then you probably have no choice other than paying for it yourself. Or compromise and agree with your neighbour that both properties are being affected and you pay for the repairs between you. Oh, and before you do any of that, check your house insurance. It might cover you. |
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Post by lawrieleslie on Jan 29, 2015 15:46:46 GMT
My daughter had this last year. The leak was detected under the path and steps down to her front door. A specialist company were able to repair the leak with a PVC insert that lined the inside of the pipe between the isolating valve on the pavement just outside their boundary and the isolating valve inside their home. No excavation was needed and the job took a couple of hours. Cost them around £400 for the repair. Excavation under the path and steps would have cost about 3 times and many times messier.
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Post by Deleted on Jan 29, 2015 15:59:19 GMT
completely depends 100% on the proximate cause of the leak (every insurance claim completely revolves around proximate cause...it's not a question of what items are covered but what gave rise to the damage of those items that is important).
if a pipe has burst due to freezing conditions and it can be shown that you didn't have heating on etc. then they're likely to deny the claim as under any insurance the onus is on you to take necessary steps to ensure that problems have the least chance of occurring as possible..that would be seen as you neglecting that responsibility. if it's a general maintenance issue i.e. age of the pipes, general wear and tear then chances are the work to the pipes won't be covered (as every item will eventually "Break down" due to age and this is never covered for anything in any type of insurance) but the damage caused by the leak will be.
the important thing to do is that if you are planning to go through an insurance company then you need to contact them asap...if you wait and the damage caused worsens then again, you are not taking the necessary steps to ensure the damage is kept at a minimum i.e. if they had come out immediately then it would have prevented later damage from occurring and current damage worsening.
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Post by Meggsy on Jan 29, 2015 19:37:06 GMT
If you have purchased a half decent home insurance policy and not just the cheapest one on compare the wanking meerkat then you should be covered to trace the leak.
My advice is to ring your insurers to find out.
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Post by jimigoodwinsbeard on Jan 30, 2015 16:29:57 GMT
Severn Trent have left me a leakage investigation note, so will find out on Monday where and consequences of it!! Wish me luck its not a major excavation!
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Post by jimigoodwinsbeard on Jan 30, 2015 16:31:34 GMT
My daughter had this last year. The leak was detected under the path and steps down to her front door. A specialist company were able to repair the leak with a PVC insert that lined the inside of the pipe between the isolating valve on the pavement just outside their boundary and the isolating valve inside their home. No excavation was needed and the job took a couple of hours. Cost them around £400 for the repair. Excavation under the path and steps would have cost about 3 times and many times messier. Can your daughter remember the name of the company? May mention it to STWater on monday? |
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Post by lawrieleslie on Jan 30, 2015 19:25:47 GMT
My daughter had this last year. The leak was detected under the path and steps down to her front door. A specialist company were able to repair the leak with a PVC insert that lined the inside of the pipe between the isolating valve on the pavement just outside their boundary and the isolating valve inside their home. No excavation was needed and the job took a couple of hours. Cost them around £400 for the repair. Excavation under the path and steps would have cost about 3 times and many times messier. Can your daughter remember the name of the company? May mention it to STWater on monday? South west water gave her a list of who they approved and if you use one of them then southwest water give you some money back. She can't remember who They used but assume that ST Water will do similar mate. |
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Post by jimigoodwinsbeard on Jan 30, 2015 20:38:14 GMT
Can your daughter remember the name of the company? May mention it to STWater on monday? South west water gave her a list of who they approved and if you use one of them then southwest water give you some money back. She can't remember who They used but assume that ST Water will do similar mate. Thanks for the heads up, will have a word on Monday when they come to find the source of leak (I'm praying that they can just do as did with your daughters leak rather than digging up the back garden and the downstairs toilet)!! |
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Post by lawrieleslie on Jan 31, 2015 8:00:37 GMT
South west water gave her a list of who they approved and if you use one of them then southwest water give you some money back. She can't remember who They used but assume that ST Water will do similar mate. Thanks for the heads up, will have a word on Monday when they come to find the source of leak (I'm praying that they can just do as did with your daughters leak rather than digging up the back garden and the downstairs toilet)!! Think it will depend on the straightness of the pipe work in question. If there are any "elbow" or "tee" junctions it may not be possible to this type of repair. My daughters pipe was more or less a straight run downhill. As you say I would discuss this option with ST water. |
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Post by Deleted on Jan 31, 2015 10:37:22 GMT
Sure your not just missin the bog lol
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