Trace and access policy wording: common questions
Questions about the wording and boundaries of trace and access cover, rather than a general guide to making a water damage claim.
Call an engineer0333 567 2646A guide from ADI Leak Detection. Lines open 7:30am to 6:30pm, Monday to Friday.
Where should I look in the policy?
Read the schedule, the buildings wording and any endorsements. The relevant clause may appear under escape of water, locating leaks or an additional-cover heading. Read any definitions and exclusions it refers to as well.
Does mentioning trace and access confirm my claim?
No. It identifies potential cover. The insurer must still assess the circumstances, any required insured damage, limits, exclusions and policy conditions.
Does there have to be visible damage?
Some clauses require damage caused by an insured escape of water before they respond. Ask whether that condition applies and what evidence is needed. A high bill or pressure loss alone does not establish that the policy’s trigger is met.
Are a worn pipe and resulting damage treated together?
The cause, the search costs and the resulting damage can have different treatment. A wear-and-tear exclusion affecting a component does not, by itself, explain the outcome for every other part of the claim. Ask for a decision against the relevant sections.
Does a slow leak automatically fail?
Do not infer the answer from the word “slow”. The Financial Ombudsman’s gradual-damage guidance considers policy terms and the circumstances, including what the policyholder could reasonably have known.
Which policy applies in a flat?
Ask the freeholder or managing agent about the building policy and authority to commission work. Your own contents policy, a block policy and repair obligations are separate matters. Do not authorise work to another flat or communal area without the appropriate agreement.
Does adding cover now protect an existing leak?
Do not assume a later change covers an incident already known about. Tell the insurer about the circumstances and ask how the policy dates and terms apply.
Need to define the investigation scope?
ADI can explain the proposed investigation and report. Ask your insurer to confirm cover and any approval requirements before commissioning non-emergency work. ADI cannot authorise an insurance claim.
Call an engineer0333 567 2646Lines open 7:30am to 6:30pm, Monday to Friday.