Our utility room is linked to the downstairs loo. It turns out the hot tap in the loo has a fault where the tap sometimes turns off completely as the water gets hot and it's hard to know if you've turned it all the way off. And another fault where the plug doesn't drain properly.
So someone used the loo, washed their hands and left. That evening, we found the whole area awash... the tap had turned on and overflowed the sink, running for who knows how long before we noticed. It's a concrete floor with laminate on top which is now in a pretty bad state (yes I know laminate in a wet room is a bad idea, it was there when we arrived).
I initially just thought "bollocks, that's another thing to pay for" but am now wondering if this is what insurance is for. The claim would I guess be to re-floor the two rooms and get the sink fixed. Few hundred quid if we get someone to do it all for us, I suppose?
But is this even worth claiming in terms of subsequent premium rises, paperwork hassle, etc... I've never claimed before on house insurance for anything.
So someone used the loo, washed their hands and left. That evening, we found the whole area awash... the tap had turned on and overflowed the sink, running for who knows how long before we noticed. It's a concrete floor with laminate on top which is now in a pretty bad state (yes I know laminate in a wet room is a bad idea, it was there when we arrived).
I initially just thought "bollocks, that's another thing to pay for" but am now wondering if this is what insurance is for. The claim would I guess be to re-floor the two rooms and get the sink fixed. Few hundred quid if we get someone to do it all for us, I suppose?
But is this even worth claiming in terms of subsequent premium rises, paperwork hassle, etc... I've never claimed before on house insurance for anything.
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