Escape of water claims.
Burst pipes, sprinkler failure and long-running hidden leaks are the single most common cause of household and commercial claims. Trace-and-access, hidden damage and gradual-deterioration disputes are where the argument usually is.
What this claim really involves.
The classic escape of water claim looks small on day one and gets bigger as the plaster comes off. Trace-and-access work often reveals that the leak has been running for weeks or months. Where the damage was hidden, insurers sometimes try to reduce or reject the claim on gradual-deterioration grounds. Managed properly, most of these claims settle at full scope.
Where escape of water claims go wrong.
The things we most often see mis-handled when a policyholder tries to run this type of claim on their own.
No cost. No obligation. We will tell you within one conversation whether this is a claim worth pursuing.
Start a free reviewCommon issues we see
- Trace-and-access cover mis-applied, leaving the policyholder out of pocket
- Gradual-deterioration exclusion invoked without proper investigation
- Damage settled before the extent behind plaster, under floors or in the ceiling is opened up
- Loss adjuster relying on a limited moisture survey rather than opening up the fabric
- Insurance company refusing matching-set argument on wet flooring or joinery
What KBR Management does
- Instruct trace-and-access at the appropriate scope
- Argue gradual-deterioration on evidence and not on assumption
- Open up the fabric to establish true extent before scoping
- Prepare a schedule of loss that captures matching-set consequences
- Manage drying and reinstatement to hand-back
How to appoint us
Call an assessor on 0800 980 2230, or send a note through the free review form. Please include the property postcode and, if you have it, the name of your insurer and the policy number. We will read your policy, look at the loss, and tell you honestly where you stand.
There is no obligation to appoint us after the free review.
About escape of water claims
Answers to the questions we hear most often about this claim type.