Should you get Drain Insurance?
Whether you need Drain Insurance or not depends on your situation. It’s highly recommended if you want to be guaranteed on having peace of mind when it comes to any drain related issues such as flooding, blocked pipes, or sewer systems. But as with everything, it’s completely up to you if you want to invest in it. If you’re unsure, you can have a survey of your property done by us and we’ll be happy to let you know the status of your drains and drainage system, and from there, you can decide on the best plan of action for you. Also, check your current home and building insurance policy as this may already have all the cover you require.
What does Drainage Insurance cover?
As with all insurance providers, every policy and provider are different, but a good policy should cover a variety of the common issues associated with drains. Look out for the following on policy documents:
- Leaking pipes or radiators
- Blocked drains or waste pipes
- Blockages in your sink or toilet
- Issues with the pipes supplying water to your home
Of course, many insurance providers offer a range of polices from the lower end to more comprehensive, so if opting for a more comprehensive policy you may even see the following included on a policy:
- Repairs to your gas boiler or central heating
- Boiler servicing
- Roof and gutter repairs
- Fixing issues with your gas or electricity supply
One thing to bear in mind is while all policies will cover the basics, some policies may not provide full coverage if you live in a block of flats, or if you already had reason to suspect that your drains would require maintenance work before taking out the policy.
What Drainage Insurance may not cover
Always check your policy documents, but some issues which generally are not covered by Drainage Insurance include:
- General maintenance
- The shower in your bathroom – including shower heads, pipes, and pumps
- Limescale damage on fixtures and fittings
- Issues caused by poor workmanship
- Shared pipes or drains
If you need any assistance, feel free to give us a call, as we’re more than happy to help.
