What Exactly Do Plumbing And Drainage Entail?
Plumbing and drainage insurance, often known as home emergency insurance, covers a variety of issues such as clogged drains, toilets, and sinks, as well as leaking pipes, leaks, and blockages in your water supply. If you’re a homeowner or a landlord, you’ll be liable for the property’s plumbing, so obtaining insurance is a good idea in case something goes wrong. This isn’t simply because repairing it would be expensive, but also because you’ll want to move quickly to avoid causing harm to the rest of the property.
To see if you’re insured, look over the terms and conditions of your current building insurance. If not, you may be able to add plumbing and drainage coverage to your insurance as an add-on. Alternatively, some insurers provide standalone policies, which are typically more extensive but also more costly. If you’re a tenant, your landlord is responsible for the sewers, water supply, boiler, and heating systems. Once you’ve informed them that there’s an issue, they should address it promptly – and as quickly as possible if it’s an emergency. As a tenant, though, you may wish to consider contents insurance so that if there is a leak in the property and your possessions are damaged, you will be protected.
Some plumbing and drainage concerns are likely to be covered by your building’s insurance, but they may not be as comprehensive as you would like or require. Blockages and damage to underground pipes and wires supplying water, gas, and electricity to your home, as well as sewage removal, should be covered by a solid buildings insurance policy. It should also include the expense of all the stages involved in locating, gaining access to, and correcting a leak.
Furthermore, the insurance may include an emergency hotline number to call in the event that something goes wrong, as well as the promise that an approved tradesperson will arrive to remedy the problem. However, not everything will be covered as part of the regular package. For example, a blockage caused by a pipe collapsing or tree roots pressing into the sewer may not be covered by your plan, and many policies will not cover pipes that simply leak due to age and corrosion.
Exclusions are common, which emphasizes the need of reading your policy’s terms. Many plumbing and drainage insurance policies only cover the cost of the call-out and urgent repairs. Check to see if any damage to your home’s contents caused by a leaking pipe or overflowing drain is covered. You should first make sure that your current home insurance covers you enough, or you’ll be paying twice for the same coverage. As with any insurance, you must assess the expenses, both in terms of premiums and the cost of doing the repairs yourself. Compare the cost of standalone insurance with the additional cost your insurer will charge to put it on your existing insurance plan if you decide you want plumbing and drainage coverage.