Water leak insurance claims We'll deal with it for you.
Finding water stains on the ceiling or a flooded kitchen can be very distressing. Burst pipes, leaking boilers, a shower that has been seeping through the floor for months. Water leaks are the claim we help with most. As loss assessors we act for you, not your insurer, and handle your claim from the first visit through to settlement.
Water coming through right now?
- Turn off the waterUse the stopcock. It's usually under the kitchen sink.
- Stay safe around electricsIf water is near lights or sockets, switch off at the mains if it's safe to do so.
- Take photos and videosBefore you move, dry or clean anything.
- Keep damaged itemsDon't throw anything away until your insurer says you can.
- Let your insurer knowMost policies ask you to report damage promptly.
Leaks we help with
Insurers often call this an escape of water claim. Whether you're covered depends on your policy, so we read it with you first.
Burst and frozen pipes
Often sudden, with water spreading fast through ceilings and floors.
Boilers, tanks and radiators
Slow drips that can go unnoticed until stains start to appear.
Showers, baths and seals
Water seeping through worn seals and grout into the floor below.
Washing machines and dishwashers
A split hose or loose connection can flood a kitchen in minutes.
Leaks from the flat above
Water coming through your ceiling from a neighbour's home.
Hidden leaks
Damp patches, lifting floors or a water bill that suddenly jumps.
Water damage is easy to underestimate
Water damage can build up over weeks or even months before you notice a stain, and water travels. A stain on the ceiling can mean wet joists, damaged plaster, ruined flooring and electrics that need checking. Some of it only shows weeks later. Before any settlement is agreed, we make sure all the damage has been found and included in your claim.
Finding the leak
We find where the water is coming from, using thermal imaging and moisture readings where needed. Many policies also cover the cost of finding a leak and opening up walls or floors to reach it, known as trace and access. Where yours does, we include it in your schedule of works.
How the claims process works
From the first visit to the day your settlement is paid, here's what happens at each stage.
0800 689 3802Free home visit
We come and look at the damage, work out what caused it and talk you through how a claim would work, including our fee. There's no pressure to decide on the day. If you want us to go ahead, you sign a letter of authority so we can deal with your insurer for you.
We take over with your insurer
We tell your insurer we're acting for you. They will usually send a loss adjuster, who works for them, to look at the damage. We deal with the adjuster on your behalf and join the site meeting, so you're not facing it on your own.
We prepare your schedule of works
We put together a detailed schedule of works: every repair your home needs to get it back to how it was before the damage, with costs. Where your policy covers it, this includes trace and access, the cost of finding a leak and opening up walls or floors to reach it. Along with photos and reports, this is the evidence your claim is built on. We then send it to your insurer.
We negotiate your settlement
We go through your insurer's response line by line. If anything has been missed or undervalued, we challenge it on your behalf. We keep you updated throughout, and nothing is agreed without your say so.
Your settlement is paid to you
Once the settlement is agreed, your insurer pays it directly to you, less any excess on your policy. Our fee is then due, exactly as we agreed at the start. That completes our loss assessing service.
After your claim
Need the repairs done? Our sister company, Renova Rebuild Ltd, can carry out building and reinstatement work under a separate agreement with you. You are not required to use Renova Rebuild in order to use our loss assessing service.
"We engaged Beon Property Claims when the kitchen ceiling collapsed due to a concealed water pipe leak. They efficiently handled the entire process… I highly recommend their services."Bark review June 2023
Water leak claim questions
Does home insurance cover water leaks?
Most buildings insurance policies cover sudden water damage, often listed as escape of water. What is covered, and how much you pay towards it (your excess), depends on your policy. We go through it with you at the free home visit.
My insurer says the leak was gradual. Can you help?
Damage that builds up slowly is often excluded, but it isn't always clear cut. We look at what happened and what your policy says, then tell you honestly whether a claim is worth making.
Who pays to find the leak?
Many policies include trace and access cover, which pays for finding the leak and opening up walls or floors to reach it. Not every policy does, so we check yours.
The water came from my neighbour's flat. Who do I claim from?
Usually you claim on your own buildings or home insurance, even if the leak started next door. Your insurer may then recover the cost from your neighbour's insurer. We can explain how this works for your claim.
How long does a water leak claim take?
It depends on how much damage there is, how long the property takes to dry out and on your insurer. We keep you updated at every stage.
Should I start cleaning up straight away?
Stop the water and make your home safe first. Take photos before you clean or move anything, and keep damaged items until your insurer says you can throw them away.
Water damage at home? Give us a call.
We'll talk you through where you stand and what happens next.