What Is Water Supply Pipe Insurance?
The water supply pipe is the pipe which takes water from the mains onto your land and into your property.
When a leak develops in this pipe, the responsibility for repairing it depends on the location of the leak. If it is within the boundaries of your property, then the homeowner is responsible.
Water Supply Pipe insurance, as the name suggests, could cover any associated costs with the water mains leak detection process and the repair of the pipework.
Do You Need Mains Water Supply Pipe Insurance?
Whether or not you need mains supply pipe insurance will depend on the coverage provided by your home insurance policies.
In some cases, your home insurance policy will state that if the water leak originates outside of the property, with no damage being caused to the interior of the property, then this would not be covered by the home or contents insurance policy and if you own your property then it will be you who is responsible for the water leaks. In this case, taking out additional water supply pipe insurance may make sense.
If you live in a block of flats or in council housing, rent from a private landlord or have no garden whatsoever, then insurance cover aimed at the water supply pipe is neither suitable nor needed.
Does Home or Building Insurance Cover A Leaking Water Supply Pipe?
This will depend on the insurance policy which you took out, and as with all insurance policies, you need to pay close attention to the wording of your specific document.
Our advice is to speak to your broker or insurance company and ask direct questions pertaining to your coverage. The key, though, is to do this before any problems arise rather than in the middle of a crisis to ensure you have residential water leak detection cover.
Do I Need A Separate Water Pipe Insurance Policy?
This will depend on your individual circumstances. If you live in a block of flats, a property without any front garden, or are a council tenant, then you do not need this type of insurance policy.
Likewise, if you have a market-leading home and contents insurance policy that specifically states that you have water supply pipe insurance included, then the answer would be no. However, if neither of the above applies, investing in this type of insurance policy makes financial sense.
Can You Get Burst Pipe Insurance for Your Water Supply Pipe?
Yes, this type of insurance is relatively inexpensive and widely available; however, before spending any additional money, it is always worth asking your current insurance provider if ground water leak detection cover is included in your home or contents insurance policy. If it is, then you have saved yourself an unnecessary expense.
Water Mains Leak Detection FAQs
As with most insurance companies, when it comes to making a claim on your house insurance for a water leak, it is important that you follow a set procedure to ensure that your settlement is made in full without any arguments. These are the steps we recommend in the order in which they should be taken.
This will depend on the circumstances and cause of the leak. If you believe there are circumstances which might entitle you to claim compensation, then seek the advice of a lawyer.
Call ADI Leak Detection to Find & Repair Your Leaking Water Main
If you have a leaking water main, then it is essential that not only do you find the source of the leak quickly, but then you get the leak repaired as quickly as possible to minimise the amount of potential damage that water can cause.
ADI Leak Detection are the original specialist leak detection company in the UK. We have the expertise, the knowledge and the equipment to find water leaks in most situations.
If you have a leaking water main, call ADI Leak Detection today at 0800 731 3843