Your damaged drainage system could be covered by your buildings insurance

We could save you thousands of pounds by claiming against your existing building insurance and, best of all, we can do it all for you.

Did you know that around 85% of buildings insurance policies provide cover for damaged septic tanks and other off mains drainage systems? Here at UKDP we offer a unique combination of off mains drainage and insurance claims management expertise. That means we can quickly and accurately assess whether your septic tank problem is covered. If it is, we can then manage the claim on your behalf and get the costs of any repairs or replacements needed covered by your insurer. Your only outlay is whatever excess you agreed when you took out the policy – typically £50-£100. That’s a lot more palatable than a £15,000 invoice for a replacement system.

We’ve put together an illustrated Step-by-Step Guide showing how it all works. Alternatively, read on below for a more detailed explanation. Or if you would rather talk it through with one of our friendly team then just give us a call or drop us a mail. We’ll get right back to you.

We are authorised and regulated by the Financial Conduct Authority (FRN 581255), so you can rest assured that we have all the necessary permissions to liaise with your insurer on your behalf.

We're here to help

You can call us, have an online chat, or simply fill in your details and we'll get back to you ASAP.

Am I already covered?

Most customers we deal with are often unaware that their existing buildings insurance provides cover for damaged septic tanks, cesspits, soakaways and sewage treatment plants. It’s hardly surprising though, as insurance policies can be difficult to interpret at the best of times.

The cover will typically be found in your policy documents, under the section entitled ‘accidental damage to underground services’. You do need to be very careful when selecting a buildings insurance policy, because it’s becoming more common for insurers to offer the ‘accidental damage’ section of a policy as an added extra that you need to opt into, instead of being a standard part of the policy. If you don’t already have it in place, you can often contact your insurer to get it added on, in case you should need it in the future.

Tackling insurance policy documents might sound daunting, but don’t worry, because at UKDP we spend most days looking at insurance policies and having discussions with insurers around whether cover exists for damaged septic tanks. We are the UK’s only specialists in managing insurance claims for damaged septic tanks and other drainage systems. Yes, it is pretty niche – but if you’re having septic tank problems, you can rest assured that you’ve come to the right place!

What does ‘accidental damage’ actually mean?

Accidental damage typically means anything that happens suddenly, and which could not be foreseen. This is a bit vague and open to interpretation, more so when it comes to drainage systems when the problems have happened underground and out of sight.

Insurance policies will usually provide cover for certain types of septic tank damage including these as examples:

  • Splits or fractures within the walls of the tank itself
  • Roots from nearby trees or shrubs growing through the walls of the tank or pipework which can often cause soakaway problems
  • Damage from vehicles above ground

The problem is that damage to your septic tank (or other drainage system) isn’t always as obvious as this:

Luckily, most people don’t come home to find a cement mixer stuck in their septic tank. Often, the damage will be a little less obvious above ground, but a thorough septic tank inspection will reveal exactly what’s going on below ground.

Here at UKDP, we are experts at investigating problems with septic tanks and other drainage systems, to find out exactly what’s gone wrong. We are also experts at knowing whether your existing buildings insurance policy will provide cover for any repairs or replacement required. It just so happens that we are also experts at presenting your claim to your insurer and using all our knowledge and expertise to get the best outcome for you. Ok, so it sounds like we are blowing our own trumpets a little there but having helped resolve more than 3,000 drainage problems so far, we think that we can indulge in a little trumpet blowing occasionally.

What should you do if you think you have a problem which might be covered by septic tank insurance?

Check out our visual Step-by-Step Guide here. Then just give us a call and we’ll ask all the questions we need to assess your situation. It would be good to have your policy documents with you when you call.

Should I call my insurer and manage my septic tank insurance claim myself?

Although we might sometimes make it look easy, managing claims for damaged septic tanks is certainly not a walk in the park. Unfortunately, it isn’t just a matter of letting the insurer know about a damaged septic tank, and them sending you a cheque for a new one. On one hand we wish it were that easy, but on the other hand if it was that straightforward then there would be no need for us to exist!

Indeed, we often get calls from property owners who have already approached their insurer, only to have their claim turned down. Sometimes, the insurer has turned the claim down correctly. But often we see incorrect decisions made to decline a claim, which the property owner finds very difficult to challenge. Most letters from insurers or technical reports from their drainage companies sound very plausible, but when we scratch beneath the surface, the decision might not be the right one.

You see, with drainage systems tucked away underground, if you find yourself having septic tank problems it’s hard to know exactly what’s happened and when. This is all the more tricky when problems underground can take months to bubble up above ground.

Firstly, you’d need to demonstrate that the damage meets with the definition of what’s covered in the policy, and you’ll probably need to explain why it’s not been caused by something which wouldn’t be covered, such as wear and tear.

Secondly, once that argument’s been had, you’d need to make sure that any works recommended by your insurer are fully compliant with all the appropriate legislation and regulations.

Thirdly, you’d then need to be certain that if your insurer is recommending a repair of your septic tank and not a replacement, that it would be a long-lasting solution and not a quick fix.

Sounds a bit daunting? Not to us!

Why choose UKDP to manage your insurance claim?

We have a great track record…

We have helped more than 3,000 customers get their property’s drainage back to full working order, by managing an insurance claim on their behalf. You can read some of our testimonials from our happy customers here.

We have unrivalled technical expertise in off mains drainage

We are experts in everything to do with drainage systems – septic tanks, sewage treatment plants, cesspit and soakaway systems. We know how they work, and more importantly, why they stop working. It is this technical and practical knowledge of these systems that is vital on every claim we manage. Combine that with our in-depth knowledge of insurance policy cover (as you can imagine, our team really are a hit on the dinner party circuit) and there is no one better to have on your side.

You’ll have the right team in your corner if there are any issues

Insurers will appoint loss adjusters or their own drainage companies to look at damaged septic tanks. Sometimes this might result in a valid claim being turned down, or an inappropriate repair being offered. Here at UKDP, we are very successful at getting decisions to decline claims reversed – our success rate is 96% and rising. This is because we carry out several checks to make sure that any claim is valid, and we only present it to insurers once we are satisfied that it is. If an insurer says no, we can usually be confident that they’ve made the wrong decision and can use our technical expertise to get it overturned.

We will help to protect your property

We know that your drainage system is just as integral to your property as your foundations or your roof. Your property is the biggest investment you’ll ever make – so we recognise the importance of protecting and enhancing its value. We will never accept (or implement) an offer of a fix from an insurance company that could compromise that. This means that we will work on your behalf until we get the best possible outcome for you, one which is also compliant with all the latest regulations and legislation.

We’ll take away the stress and hassle

Let us take the stress away from the start, if we believe you have a valid claim, we will do everything on your behalf from start to finish. But if you’ve already spoken to your insurer and run into trouble – don’t worry, we may still be able to help. We can undertake a thorough inspection to find out what’s gone on, and we can quickly let you know if we think an appeal would be successful.

We're here to help

You can call us, have an online chat, or simply fill in your details and we'll get back to you ASAP.

Don’t just take our word for it….

We pride ourselves on the very positive feedback we receive from our customers when we manage a claim on their behalf. We helped this customer who was having septic tank problems at his property, and achieved a successful outcome even though his insurer initially turned the claim down:

'UKDP undertook a survey of the drainage system and septic tank, and followed through the subsequent claim with my insurers, keeping me informed at all times. Despite my insurance company initially repudiating my claim, UKDP persevered to a successful conclusion, even obtaining compensation for me from the insurance company. Had I been dealing with my insurance company direct, without the specialist knowledge of UKDP, I doubt if I would have reached a successful outcome. Thank you UKDP for your first class service and the professionalism and courteousness of all your staff.'
David, Suffolk

The good news is that some insurers do appreciate the urgency of getting septic tank problems resolved (we know that it can be a thoroughly unpleasant time for our customers), and sometimes we can gently encourage them to get claims settled quickly.

Here, our customer had a pressing timescale not only because of the septic tank problems they were having, but also because they were in the process of selling their house! Our Senior Claims Manager Rob Brindley worked hard on the customer’s behalf, being mindful of the time pressures they were under. We were very pleased to get a great result for them, here’s their feedback:

'Dealing with UKDP has been completely hassle free from start to finish. Not only were we kept informed of progress of our claim at regular intervals, Rob was exceptionally supportive and very effective in settling our claim in a very short space of time prior to completion of our house sale. I couldn’t thank UKDP enough and would not hesitate in recommending their services to any of my friends or colleagues.'
K Howarth, Surrey

0800 028 9903