Found one of the fittings behind the tiles in my shower was leaking.
I had to remove 4 tiles and cut some of the ply back to get at it and tighten up the connector. Tiles are fairly old and a few of them broke, can’t find replacements so need to replace all the tiles. Mixer is old and I don’t really trust it, ideally would like to rip the whole shower out and start again.
Excess for water leaks is £350. Question is would the insurance pay to get the whole thing done. If not I guess I’m better doing it myself.
Any experience on claiming for leaks appreciated.
I’d not even start thinking about a claim for this, £350 will pretty much get the job done anyway and you’ll not affect the no claims element of a policy for the next X years as a consequence.
With insurance it's usually only worth claiming if it's a mega money fix or you are broke and can't afford the fix at the time. Then insurance acts like a loan, as you will pay it back over time.
Your insurance would pay for the strip out & access, plus the cost of reinstating it back to the pre-loss condition. You would have to foot the cost of the plumbing repair (which sounds like it would be minimal).
I'd only consider claiming if it had caused damage to any surrounding timber joists, studwork etc, but it would have to be pretty bad.
If you do claim, be prepared to have your pants pulled down when it comes round to renewal time.
I have had 2 leaks. 1 was a pipe that leaked into our boiler and trashed it. We claimed for new boiler and had a smallish increase in our premium (12 years ago). When our hot water tank leaked and water came through the down stairs ceilings we never claimed as the new tank and a lick of paint was not much more than the excess. Your call.
Thanks, as I suspected, not worth claiming.
We didn't. Found out our insurance wouldn't cover 'tracing' but would fix it - only found out when they sent dynorod out who said he wouldn't do anything (we'd literally just come back from holiday).
I got a local kitchen fitter in - he cut a couple of holes in the ceiling and found a tiny pin prick hole in the cold water pipe. He repaired it, then I glued and plastered the cut out ceiling back in place and re-painted once dry. Worked out less than the excess.
