It’s that time of year when the risk of a burst pipe is at its greatest, but a burst pipe can happen at any time. Water damage claims are one of the most common types of insurance claims, but that doesn’t mean you don’t need to be prepared if it happens to you.
If you’re dealing with water damage from a burst pipe, keep these burst pipe insurance claim tips in mind when contacting your insurance provider.
Keep insurance documents safe
You may not be able to prevent a burst pipe, but you can take steps to keep your insurance policy safe from any potential water damage. Try to keep a hard copy of your home insurance policy – and perhaps a copy of these burst pipe insurance claim tips – in a place that’s likely to be safe from damage if anything should happen, as well as storing a digital copy online.
If you do suffer from a burst pipe, before you do anything, turn off your water supply. You can usually find your stopcock under the kitchen sink. Just in case the leak is near any electrics, you should also switch off the electricity and gas supply to avoid further damage. However, if the mains are wet we would always recommend you call an electrician to turn off electrics safely.
The infographic below illustrates a simple four-step process which you should follow, should you experience a burst pipe in your home.
Keep the evidence
Your insurer – or the Loss Adjuster they hire – will need to see the extent of the damage caused by the burst pipe to approve your insurance claim. This can include water damaged furniture and contents as well as any damage to the pipes, walls and floors. As tempting as it may be to start trying to get your life back on track, don’t throw out or attempt to repair anything until the insurance company’s Loss Adjuster or your own Loss Assessor has said it is okay to do so.
If you can, take photographs of the water damage at its worst. Your insurer’s Loss Adjuster could take several days to get out to your property, so make sure you document the water damage as much as possible when you make an insurance claim for a burst pipe.
Know what you’re covered for
Even if your home insurance policy covers you for water damage, there are likely to be some exceptions. Sometimes, damage from flooding, a sewage overflow or water backup will not be included in your policy. Make sure you know what you can claim compensation for before you make the claim. Morgan Clark offer a freephone helpline should you need to talk through your policy with an expert.
A burst pipe is something that every homeowner or business owner hopes they will never have to deal with, but this advice should help your water damage insurance claim go a little more smoothly should the worst happen. A Loss Assessor can help take even more of the stress out of the process, from handling all negotiations to helping you find a temporary home. Get in touch to find out more about how we can help during a burst pipe insurance claim.