Are drain repairs covered by insurance?
As experts in drain unblocking in Warrington, this is a question that we get asked time and time again. Normally this is when the problem has escalated to such a serious and costly degree – such as a sewer pipe collapsing causing considerable damage to a property. At Mersey Rod, we have put together some handy tips and ideas to make sure that it doesn’t come to this stage and cause undue stress and worry.
Drains and Home Insurance
If you are a homeowner, the chances are you having pretty comprehensive building and contents insurance. However, it is definitely worth double checking as sometimes insurance policies can be a bit vague. Typically, most building insurance policies will cover and protect drain repairs in Warrington, but you need to be careful of the wording of your policy. Most insurance only covers ‘accidental damage’ – but what would constitute accidental damage? Technically, corrosion of pipes or old age isn’t accidental, so insurance companies’ wording can stop them from paying out on a technicality. However, most insurers do cover outside influences, like tree roots causing cracked pipes or accidental digging into a pipe. If you were to pay for this on your own it would likely be very costly. All insurance policies do have exclusions, so it is good to check and make sure you know what is covered. In some instances, it might even be worth taking out extra drain insurance to make sure that you are fully covered for any accidents that might happen.