Does house insurance cover blocked drains?

published on July 6, 2023 by admin

House insurance policies vary depending on the specific terms and conditions set by the insurance provider. While some policies may provide coverage for certain types of damage caused by blocked drains, it’s important to review your policy or consult with your insurance provider to understand the extent of coverage for this specific issue. Here are some points to consider:

  1. Water damage coverage: Many house insurance policies offer coverage for water damage caused by sudden and accidental events, such as burst pipes or plumbing system failures. If a blocked drain leads to water overflow or flooding, resulting in damage to your home or personal belongings, your insurance policy may cover the cost of repairs and replacements, subject to certain limits and deductibles.
  2. Causes of blockage: The coverage provided by insurance policies may differ based on the cause of the blockage. If the blockage is due to a covered peril, such as tree roots damaging the drainage system or a collapsed pipe, there is a higher chance of coverage. However, if the blockage is caused by gradual wear and tear, lack of maintenance, or negligence on the homeowner’s part, insurance coverage may not apply.
  3. Additional coverage options: Some insurance providers offer optional endorsements or add-ons to standard policies that specifically cover issues related to sewer and drain blockages. These endorsements may provide coverage for costs associated with clearing blockages, repairing or replacing damaged pipes, and any resulting property damage.
  4. Exclusions and limitations: It’s crucial to review your insurance policy for any exclusions or limitations related to drain blockages. Certain types of damage, such as mould or mildew resulting from prolonged water exposure, might be excluded from coverage. Additionally, insurance policies typically have coverage limits and deductibles that could affect the amount you can claim.

Remember, it is essential to read and understand the terms and conditions of your insurance policy and consult with your insurance provider to determine the specific coverage available for blocked drains. If you have a problem with drain blockage and you think it may be coverable on your policy why not give our team of expert loss assessors a call today on 01 5620082 and we can help you navigate the process with your insurance company.

Make a claim Contact Us