Existing buildings insurance policies

Many property owners are unaware that the costs to repair or replace a damaged drainage system can be covered by their existing buildings insurance policies.

For those who are aware, the thought of dealing with insurers and loss adjusters on the technical ins and outs of a drainage system can be quite a daunting prospect.

Boxall Ward work in partnership with drainage claim specialists to offer a comprehensive insurance claims management service for our customers, in many instances, saving property owners thousands of pounds.

How will you know if you might be covered?

The majority of buildings insurance policies provide cover for certain types of damage to drainage systems – for example, damage caused by tree roots, or tanks that have become damaged due to ground movement.

However, it is often not possible to see any physical damage to an underground drainage system, so it’s difficult to know what’s really causing the problems.

The Boxall Ward team will be able to visit your property and assess any problems affecting the drainage system, and can advise you as to whether a claim might be possible.

What does the service cost?

The only cost to you, if your claim is successful, is any excess due on your policy – this is typically between £50 to £150.  If your claim is not successful, there is no cost to you at all.

What happens if a claim is turned down?

Insurance claims relating to drainage systems can be very complicated, especially when it comes to ensuring that the right scope of works are approved by insurers.  This is because it is crucial that any works comply with all existing regulations, but also that they are appropriate for your property and the ground conditions available.  We often find that insurers or loss adjusters don’t make the right decision initially on these types of claims – but we use our technical expertise to ensure that the right decision is ultimately made for you and your property.

What if your insurer has already told you that you are not covered?

We often see situations in which a perfectly valid claim has been turned down by insurers, usually due to a lack of understanding of these systems, or due to the way in which the claim has been presented.  Call our team today if you have already had a claim turned down, or if your insurer has indicated that you might not be covered, and we can give you an honest assessment as to whether we can still help.