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The hidden water leak can result from hidden wear and tear, deterioration, corrosion or rust from your home’s internal systems. The landlord gets a builder to quote the cabinet repairs and a plumber to fix the leaking pipe. Hidden water damage insurance covers water damage caused by a leak you can’t see within plumbing or a household appliance. Over time the kitchen cabinet swelled causing the particleboard to deteriorate. Learn more about the cause of damage here.Ī tenant discovers the kitchen floor is spongy under the lino where the water pipe for the cold tap had been slowly dripping. In most cases this cost is a small part of the total repair costs. Insurance will pay to repair the resultant damage, but fixing the faulty pipe or equipment will be your responsibility as a homeowner. The cost to fix the leaking pipe itself or the actual cause of damage won’t be covered. Your insurance cover will protect you for the damage that results from the leak, and the costs of finding or getting to the leak. Most homeowners insurance policies exclude damage caused by plumbing and leaks that occur gradually, such as slow, constant leaks. If you’re not sure we recommend getting a repair quote from a tradesperson ask them to include their opinion on how the damage happened. It’s hard to know exactly how the damage has occurred or where it’s coming from. What if I’m not sure what type of damage it is? Damage to the carpet caused by moisture from a potted plant.
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Water leaking onto the floor from a faulty washing machine (unless the leak was from a hidden pipe).Leaking window frame causes rain to leak onto the window sill and rot.Examples that won’t meet the conditions for a Hidden Gradual Damage Claim: Any damage from a leak you can see, or one that doesn’t come from a pipe or tank is unlikely to be covered. What will not be a Gradual Water Damage Claim?