Is a Leak Covered by Home Insurance?

Water leaks are frustrating and they can be incredibly overwhelming. The risks involved with not finding and repairing water leaks as quickly as possible can be catastrophic. They could pose a risk to your health and to your property. So, not only is it important to have your leak repaired, but it’s also important to be aware of how much it’s going to cost and whether your home insurance can cover it.

Home insurance is a life saver when something goes wrong but every policy is different, so you’ll want to stay on top of what is and what isn’t included in your home insurance policy. This will help you avoid disappointment when trying to make a claim.

Is a Water Leak Covered by Home Insurance?

Most standard building insurance will help to cover the cost of any repairs to the structure of your home. If you want to insure the contents in your home, then you’ll want to also take out contents insurance, with specific named items covered. But this does mean that most home insurances do generally cover any damage caused by water leaks, whether that comes from tanks, pipes or the central heating systems.

However, often this doesn’t cover the damage to the leak items themselves, unless it’s the result of freezing. Though, you may be able to claim it as a home emergency if that’s a part of your policy. If it is something that you’re particularly concerned about, then it’s easy to double check your policy and make amendments if it doesn’t include ‘water escape’ protection.

What is Covered By your Home Insurance?

The right home insurance should cover the cost of removing and repairing or replacing the source of your leak and the part of your building that will need to be removed to find it. This should be a complete service that will take you from start to finish. But policies do vary and it’s important for you to make sure that you know what to expect before you encounter an emergency. Knowing what your home insurance does and doesn’t cover will help to remove a lot of the stress you can experience when you encounter a leak in your home.

When is a Leak not Covered by Home Insurance?

There are always going to be moments when your home insurance doesn’t quite cover your water leaks. If your water leaks are caused by the failure or lack of grout or sealant then your insurances are unlikely to cover it. So, it’s important for you to make sure that you properly maintain your home and keep it in good condition. Not only will this ensure that you continue to be covered by your home insurance but it also limits the chance of you having a water leak in the first place.

It’s important for you to remember that water leaks often require claims from both buildings and contents insurance. Water leaks can cause serious damage to your furniture as well as the structure of your home and it’s important for you to be ready to take out claims for both.

How Can We Help?

Here at Specialist Leak Detection, we want to make it easy for you to make a claim. This is why we offer an insurance service, which can help you to support you in the aftermath of a stressful experience. We have navigated the industry for years and can offer you helpful advice, making the entire process as easy as possible.

So, if you’re looking for help, then we are here for you. You can get in touch with us today by giving us a call today on 0800 640 5419 or email us at info@specialistleakdetection.co.uk. We would be more than happy to help.

Specialist Leak Detection

25 Google reviews

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Bruce Garner

2023-11-29

We realised we had a leak as the pipes hissing. Using their non intrusive leak detection they narrowed it down to under our kitchen floor. They dug in that spot and were within 20mm of where the leak was. Great service.

Jabeen A

2023-11-25

Absolutely horrendous customer service. We have a leak and the office manager Tim had no customer skill in how to deal with customer queries. Did not go ahead has no faith they will be able to provide customer support should we have any issues after we had paid, also don’t be fooled by the no leak no fee , it’s a scam. Please I strongly urge you to read the 1* reviews , I wish I had done that before calling as exactly my experience , I was shouted at was refused to speak the next person in charge. Please check the 1* on trust pilot before you hand over your hard earned money They tried to get my review removed from trust pilot as of course the truth is hard to swallow. But the truth always win and they were proven wrong! Folks I done my bit to raise awareness, now the choice is yours

Richard Pink

2023-10-26

Tyler detected our leak and fixed our pipe issues very promptly. I highly recommend this company. A truly professional service.

Kara Moore

2023-06-22

I am leaving a review on behalf of one step ahead, Woking. We had a continuous leak from our ceiling at our salon! Numerous workers came to try and fix the leak and was unsuccessful. However, when I called specials leak detection they came out within the hour! Moe found the leak super quick and told us what it was. We got it fixed and haven’t had a leak since! I am so pleased with the business they did a fantastic job!

Quadrant Heating Electrics & Plumbing Ltd

2023-03-21

Great services at reasonable prices

David Bermange

2023-02-28

I found Specialist Leak Detection a very efficient and professional company to deal with. They were especially helpful and understanding when I had to re-arrange their visit. I wouldn’t hesitate to book them again should the need arise.

Harry Callaghan

2023-02-03

We commend Specialist Leak Detection to the highest! Right from the initial phone call to completion of the job we felt that we were dealing with professionals. Tyler gave us a call on his way to tell us he was stuck in traffic and gave us a revised ETA. So, great communication. Upon arrival he presented himself as a friendly, caring professional, and got to work immediately. Using thermal detection equipment he located the leaking pipe under a concrete floor. With the offending problem now exposed it was agreed that he fix the issue working tirelessly until he successfully did so. A detailed report is now on the way to us to present to our insurance company. Absolutely superb service!

Ankur Patel

2022-10-30

Called saturday morning..booked in for tyler to come find the leak. He came within the hour and he found the leak under my floor and sorted it right there and then. Did not mess around, highly proffesional and excellent service. 10/10

Richard Clements

2022-10-25

John was very friendly and very experienced. He found the leak underground and now we are able to fix the leak . Thankyou John.

Clara Pochettino

2022-10-06

Simon came and within 10 minutes was able to identify a leak that affected my boiler pressure for months. Clean and efficient has resolved my problem professionally and FAST. I totally recommend them.