Are you confused?
If you are thinking of calling your insurer or have done so already and are still unsure about the process, then help is at hand. We are experienced in the insurance contracting and claim industry, regularly being appointed by insurers, loss adjusters and brokers to help resolve claims.
We understand the processes, the terminology and the complexities associated with insurance claims and payments.
Upon conclusion of every job we will write up and email you our report with photos, videos and sketches, you can submit this to your insurer to help support your claim. We have written hundreds of reports, which are usually accepted by insurers as evidence to validate a claim and they will usually pay out upon receipt of the report.
“We are very experienced in the insurance contracting and claim industry, regularly being appointed by insurers, loss adjusters and brokers to help resolve claims.”
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Trace and Access Cover
This is the industry term used to describe insurance cover for leak detection work.
It will be a separate clause in your policy and in general terms will cover you up to £5,000 to find the cause of your water leak.
Insurers will not usually pay for the cost of the actual repair to the pipe but will pay for all the work associated in finding it and making good any damage caused in the process of finding it.
If your property has suffered water damage as a result of the leak the cover for this internal damage will be covered by a different part of the policy under ‘Escape of Water’ and the policy limits for this will be more generous.
Sometimes your insurer will say you have to find the the leak first and then they will confirm liability, this doesn’t mean you don’t have cover, it merely transfers the risk to you the policyholder to ‘find the evidence’ before the insurer will commit to cover the costs.
The Costs of Making a Claim
We understand that insurers are not always quick to pay when you make a trace and access claim, if this is a concern then speak to us first, we usually require payment within 7 days, in certain circumstances we are willing to negotiate a reasonable period for your claim to be paid before you pay us.
Don’t forget your excess, this is the first part of any claim you are required to contribute towards, this is usually anywhere from £50 – £250.
Whatever your situation, call us now to discuss how we can help you.
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Going the extra mile for customers
Help with Insurance Companies
Much of our work is carried out on behalf of clients who have insurance cover for ‘Trace & Access’.This cover will usually pay for water leak detection companies to locate your water leak.
Water Loss Solutions are very aware of the limitations and scope of Trace & Access cover and will advise and guide you through the process to try and make sure your claim is covered.
Upon completion we will provide you with a written report including photos and video which can be presented to your insurer to validate your claim.
We have completed thousands of insurance claim leak detection jobs and are happy to offer free telephone advice from the outset to assist with the claim process.
Frequently Asked Questions
You should call or email your insurer or broker and explain the circumstances of your claim as accurately as you can.
We would include the details of the property, address and the customer’s name. We would then give a description of the investigation and any findings and recommendations. We would include any relevant photos and video and a sketch plan of the position of the leak.
No, anyone can report a water leak irrespective of whether you have insurance cover. All policies expect property owners to take reasonable steps to maintain their property and take action to maintain the fabric of the building.