Every home can fall victim to frozen or burst pipes and without insurance, even a small leak can be costly for homeowners to repair.
Escape of water refers to liquid that’s leaked from somewhere inside your home and caused damage.
That might be caused by:
There’s usually some cover for escape of water claims on your house insurance, but you need to check your policy wording to find out exactly what you’re covered for.
If the water comes from something like an overflowing bath or drilled through pipe you’ll probably only be covered if you have accidental damage insurance.
When a pipe bursts, there are three typical costs that could arise from it:
Each of these costs will be covered by separate elements of your home insurance and you might not have cover for all three as standard features of your policy.
Cover for damage caused by pipes bursting in freezing conditions will almost certainly be included - 99% of 383 policies on Defaqto have this cover.
But that doesn’t necessarily mean that the cost of repairing pipes the burst themselves will be covered, as only 81% of policies include it.
That could mean that you’d have to pay out yourself for an emergency plumber to stop the leak and repair the pipe, before claiming on your insurance for the damage caused by the escape of water.
Read your policy to see what protection you have:
Accidental damage that causes water escapes might not be covered as standard on your home insurance.
You can have accidental damage cover added to your policy, as an optional extra to cover you for things like accidentally drilling through a pipe, or an overflowing bath.
Claims relating to accidental damage from DIY projects can be a common area of insurance disputes, so make sure you read your documents and check any exclusions.
According to the Association of British Insurers (ABI)
Last checked 10 June 2019