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What to do if a Water Claim is Denied?

What to Do When Your Escape of Water Insurance Claim is Denied

Water damage is a common occurrence in homes across the UK. From burst pipes to leaking appliances, water escaping in your home can lead to significant damage and costly repairs. Unfortunately, dealing with an escape of water claim is not always straightforward, and there are instances where the insurance company may deny your claim. This article will explore what it means when an insurance claim is repudiated, whether insurance typically covers escape of water, and whether it is worth claiming on home insurance for water damage. We will also discuss the importance of loss assessors in the claims process and how hiring a professional like Oakleafe can benefit you.

Understanding Insurance Claim Denial

When an insurance claim is denied, it means the insurance company has decided not to pay out for the claim. This can happen for a variety of reasons, including wear and tear, lack of maintenance, or failure to prove the damage. For example, if a leaking pipe has caused damage over time due to lack of maintenance, the insurance company may deny the claim on the grounds of wear and tear. It is essential to understand the terms of your policy and the reasons for denial to address the issue effectively. Other common reasons for claim denial include not having the appropriate cover, failure to report the claim promptly, and not providing sufficient evidence to support your claim.

Does Insurance Cover Escape of Water?

Escape of water refers to water that has escaped from a fixed water installation, such as pipes, tanks, or heating systems. Most home insurance policies cover escape of water as standard, but there may be exceptions and limitations. For instance, some policies may not cover the cost of tracing and accessing the source of the leak. Additionally, if the damage is caused by gradual ingress of water or due to lack of maintenance, your claim may be denied. It is crucial to read your policy documents carefully and understand what is covered and what is not.

Is It Worth Claiming on Home Insurance for Water Damage?

Before making a claim for water damage, it is essential to consider the extent of the damage, the cost of repairs, and the impact on your future premiums. Making a claim may lead to an increase in your insurance premiums, and in some cases, it may be more cost-effective to cover the repairs yourself. However, if the damage is extensive and the repair costs are high, it may be worth making a claim. It is advisable to seek professional advice from a loss assessor to weigh up the pros and cons and make an informed decision. Additionally, if you have accidental damage cover included in your policy, it may provide additional protection for water damage claims.

The Role of Loss Adjusters and Loss Assessors

Loss adjusters and loss assessors play a crucial role in the insurance claims process. A loss adjuster is appointed by the insurance company to assess the damage and determine the amount of compensation. On the other hand, a loss assessor is an independent professional hired by the policyholder to represent their interests and ensure they receive a fair settlement. While a loss adjuster works for the insurance company, a loss assessor works for you. Hiring a loss assessor can help you navigate the claims process, provide expert advice, and negotiate with the insurance company on your behalf. They can also help with compiling the necessary documentation and evidence to support your claim.

The Benefits of Hiring a Loss Assessor

Dealing with water damage and the subsequent insurance claim can be a stressful and daunting process. It is essential to understand the terms of your policy, the reasons for claim denial, and whether it is worth making a claim. Hiring a professional loss assessor like Oakleafe can help you navigate the process, provide expert advice, and ensure you receive a fair settlement. A loss assessor will assess the damage, prepare the claim, and negotiate with the insurance company on your behalf, taking the stress and hassle out of the process. If you are dealing with an escape of water claim or have been denied an insurance claim, consider hiring a loss assessor to ensure you get the compensation you are entitled to.

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If you have been declined whilst trying to claim on your domestic or commercial insurance, we can help. We can also help with professional services, for example, Brokers, VAR Valuations and Managing Agents.