Water damage claims

A living room has been flooded following a leak.Our homes are more at risk of water damage than ever before. From under floor heating systems to multiple bathrooms, there are water pipes throughout our property. 

But what happens if you spring a leak? Does your home insurance cover water leaks? How do you claim for water leaks and what is the procedure if you make a claim? What if the leak isn’t obvious and needs to be found? Is trace and access covered on the policy? Read on to find out more.

Water damage claims can arise from a large number of different incidents such as leaking showers, leaking baths and toilets, leaks from washing machine, dishwasher leaks, leaks from hot water cylinders, mains pipe leaks, storage tank leaks, floor slabs leaks under tiling, etc.

When should I call the insurance company after water damage?

You should contact Property Claims Loss Assessors (PCLA) as soon as possible and before you contact your insurance company. As professional loss assessors, it is our job to make sure your claim is submitted properly and as fast as possible. However, If you have already contacted your insurer, PCLA can still be appointed at any stage of the claim.

How do you deal with an insurance company if you want to make a water damage claim?

PCLA take the stress out of dealing with insurance companies. It’s our job to liaise with the insurance company on your behalf. We’ll keep you up to date on the progress of your claim. You can contact us at any time to discuss your case.

PCLA will notify the insurer of your loss and arrange to meet with their appointed Loss Adjuster. As qualified Building Surveyors, PCLA have the skill and expertise to assess any damage that has been sustained to your property.

We compile fully costed schedules of the damage which form the basis of the claim which we use in the negotiation with your insurer. There is nothing for you to do and PCLA take away all the stress of
dealing with your insurer.

There is a leak in my house, can I claim under my house insurance?

Most insurance policies will cover you for damage caused by leaking pipes, etc. When an incident such as this happens it is imperative that arrangements are made to have the leak stopped as soon as it becomes evident. PCLA can arrange this for you. 

Whilst there is cover for many incidents, there are also some very strict exclusions on insurance policies covering incidents of this nature. The easiest way to claim for water damage is to use Property Claims Loss Assessors (PCLA) – we take the stress out of making an insurance claim.

Check your home insurance policy

PCLA can review your policy documents to see the level of cover you have and to ensure you get everything you are entitled to. For example, your policy might include cover for trace and access or matching of items. Your policy may also contain a number of exclusions which could affect the settlement you can obtain. PCLA can guide you on this.

If you’re not sure what level of cover you have or how the claims process works, please contact PCLA today. We make it our job to help you get everything you are entitled to under your policy.

Get Support From PCLA

Household buildings and contents insurance policies include various exclusions. These include (but not limited to) wear and tear; faulty workmanship; and gradually operating causes. It is therefore in your best interest to appoint an FCA regulated claims assessor like Property Claims Loss Assessors (PCLA) who can represent you to ensure your claim can be presented in the way that is most beneficial to you.

PCLA can handle all types of water damage claims for all different properties, such as houses, retail, Industrial, offices, public houses and restaurants.

If needed, PCLA can also help to arrange emergency repairs, plumbers, leak detectors, drying companies etc, and give advice as to how best to secure your property from any further secondary damage that you may not be aware could occur.

With PCLA acting on your behalf, there’s no need to worry about your water damage insurance claim. PCLA will manage your claim and ensure you get maximum compensation. Our aim is to restore your home to its former condition. And remember, PCLA take the stress out of your insurance claim.

What should you do if you have a leak in your house or have been affected by water damage?

It’s best to contact PCLA as soon as possible and before you contact your insurance company. We will attend and assess the damage to your property. As professional loss assessors, it is our job to liaise with your insurer and make sure your claim is submitted properly and as fast as possible.

How do you deal with an insurance company after a water damage incident?

PCLA take the stress out of dealing with insurance companies. It is our job to liaise with the insurance company on your behalf. We will keep you up to date on the progress of your claim. You can contact us at any time to discuss your case.

How do I make a water damage insurance claim?

Property Claims Loss Assessor carries out checks to a water damaged house.The easiest way to make a water damage claim is to get PCLA to do it for you. Our team manages the claims process on your behalf, so you don’t have to.

PCLA will check your insurance policy documents to confirm the cover you have in place. We will assess the damage to your property and how this was caused to ensure that this is not something that would be excluded by your insurer.

As qualified Building Surveyors and using the most up to date technology, PCLA will undertake a full moisture survey of your property to assess the extent of damage. PCLA will then compile a schedule of loss based on the damage uncovered which is presented to your insurer.

If you appoint PCLA as soon as possible, we can start building your case and answering your questions. We will present your claim in the best way possible to ensure you receive your full entitlement under the terms of your policy.

How do water damage claims work?

The first thing you need to do is appoint PCLA to act on your behalf. PCLA will notify your insurance company to start your claim. Our team of professional loss assessors will handle the entire claims process for you. Our aim is to ensure your claim is handled as efficiently as possible meaning your property can be reinstated as soon as possible.

What happens when I have a water damage claim?

After you appoint PCLA they review your policy and, if cover is in place, will contact the insurance company to notify them of the incident. 

The insurer may ask for photos of the incident or a report on the damage, PCLA can provide this if needed. 

If a Loss Adjuster is appointed by the insurer, PCLA will liaise with them and present them with all the claim details required. PCLA will meet with the Loss Adjuster on site if necessary to go over the circumstances of the loss and damage. 

PCLA will compile a fully costed schedule of claim using current market rates based on the damage evidenced to the property, meaning there is no need for you to obtain builders quotations to present to your insurer. PCLA will then negotiate the best possible settlement for you under the terms of your insurance policy.

How do I make sure I get what my policy entitles me to?

Contact PCLA as soon as possible. We will assess the damage to your property, cost the works required and negotiate with your insurer. That is why, with PCLA acting on your behalf, we can ensure you get everything you are entitled to under your insurance policy.

Should you use a Loss Assessor?

Making an insurance claim is very time consuming and often frustrating. At PCLA, we know from experience that the insurance claims process can be extremely frustrating. We’re here to help. As experienced loss assessors we work on your behalf to manage the entire claim process, so you don’t have to, and to ensure you receive everything you are entitled to.

Why are water damage claims rejected?

It is important to read the terms and conditions of your insurance policy to understand what is and is not covered. The main reason that water damage cases are rejected is because policy wording specifically excludes certain events such as wear and tear, faulty workmanship, gradually operating causes, etc. PCLA have expert knowledge to guide you in the best way possible through your insurance claim.

How long does it take to settle a water damage insurance claim?

A water damaged ceiling.The process to settle a water damage claim can be complex but with PCLA working on your behalf we can take away the stress and hassle and deal with the case from start to finish on your behalf.

After a water damage incident it is incumbent on you to prevent any further damage from occurring, this is known as mitigating your loss. PCLA can advise how this can be done and what else is required to comply with the terms and conditions contained within the insurance policy.

PCLA will then liaise with your insurer and ensure your claim is dealt with promptly and fairly by your insurer. All aspects of the claim are handled by PCLA and we work on your behalf to ensure the process is as seamless and stress free as possible

Tips to prevent water damage in your home

  • If leaving your property for an extended period, turn off all water supplying the property and drain down any water systems
  • Keep all wearable items such as shower seals, grout etc, maintained
  • Know the location of your stop cock and ensure it is operational
  • Ensure that cisterns, sinks etc have isolation valves that can be turned off in the event of a leak
  • Regularly service your heating system and be aware of any dropping in pressure
  • Install water leak detection systems

We offer help and advice for all instances of Commercial or Domestic Property Damage. Use the links below to learn more about how a loss assessor can take the stress out of your insurance claim.