Here are the answers to some questions you might have about whether the cost to fix your property’s septic tank problems might be covered by your existing buildings insurance policy. If you have any questions that aren’t answered here, please don’t hesitate to call our team who will be happy to help.
I’m not sure if the damage to my property’s drainage system will be covered by my insurance, how will I know?
Our team is here to help. We will find out more about the problems affecting your property, and a member of the UKDP team will come to your property to see the issues first hand. From this, we’ll be able to let you know if it’s likely that your insurance policy might cover the costs of any works necessary.
Do I have to sign anything?
In order for us to manage an insurance claim on your behalf, we will simply ask you to complete and sign our `letter of authority’. This is a straightforward document that lets your insurer know that we are acting on your behalf and gives us permission to register a claim for you.
UKDP is appropriately authorised and regulated by the Financial Conduct Authority for claims handling, which means that we are able to manage all aspects of your claim for you.
I’ve made a claim already and been turned down by my insurer. What can I do?
Call our team and we can review the circumstances of your claim, as it may be that your insurer has made the wrong decision. If we believe that your claim is valid, we can still work on your behalf even if it has previously been turned down.
Do all buildings insurance policies cover damage to drains?
Most policies provide cover for damage to drainage systems, under the section ‘accidental damage to underground services’. The significant majority of policies provide this cover as standard, however recently some insurers have started to offer policies in which property owners are asked to select accidental damage as additional cover.
You can check your policy schedule for more information, or call our team for help and advice.
What does your service cost me?
There is no charge to you for us to register and manage an insurance claim on your behalf, even if it’s not successful.
If your claim is successful however, any excess on your policy would be due once the repairs are scheduled to start. You should check your policy documents, but this is typically around £50 – £100.
Your insurer (or their nominated contractor) may ask for a reduced price for the repairs quoted as part of the negotiation of your claim, but if this is the case then please rest assured that you would never be asked to pay any difference between the two quotes.
What if my claim isn’t covered?
We only present claims to insurers that we believe to be valid. In the event that your claim is turned down and we disagree with the decision then we can challenge this.