Home Insurance and Drainage | RPDNW
Home Insurance is complex and can be hard to understand for the average person, according to a nationwide study done by UKDN Waterflow. Just over 1 in 10 people think home insurance and the terms that come with it are easy to understand.
For many people a severe drainage related emergency can be a disaster especially when insurance companies need to get involved. That is why we, at RPD, think it is of utmost importance you, as a home owner, need to know what’s what to ensure you do not overpay in case of such an emergency.
When is it your Responsibility?
You are legally responsible for maintaining the drains inside the boundaries of your property. You are free to choose how to maintain your drains or repair your Blocked Drains Wirral, and who will carry out this work. In some cases, the drainage network is located in a property with multiple houses, for instance a block of flats. In this case all owners who have a stake in the building are mutually responsible for the upkeep and maintenance of the drains.
This means that if you have a private drain and don't want to pay for all the repairs or replacements your self, you will need to ensure with your insurer that drainage is covered in your insurance plan. In some cases, a specific insurance is needed just to cover the drainage network situated in your property.
If your home has been built after 1920, it will often have two different types of drains – the foul water drain for the toilet waste, bath/shower, washing machine etc. and the surface water drain for rain water form your guttering. As your drains are connected to larger sewers or communal drains owned by the local council, misconnected can pollute local streams, rivers and beaches, damage wildlife and cause many health risks. To add to that, the local council can fine you a serious amount of money and if your drains become damaged in the process, your insurance does not cover this at all. Let a professional check out your current pipework in case you think your home may be misconnected. Misconnected pipes can be a costly error.
Pitch Fibre Drains
Pitch Fibre is a notoriously unreliable type of material that was often used between the 1960’s and 1980’s to make pipes from. It was first introduced as an affordable alternative for clay pipes. If your pipework is mostly made from pitch fibre pipes, your insurer may not accept a claim; the reason being that it does not fall under the definition of “accidental damage” as any issues maybe the effect of gradual deterioration. In many cases, entirely replacing your pitch fibre pipes could be a cost-effective option as if they break or leak they could cause damage.
At RPDNW, we can help you minimise your chances of a drainage disaster with drain services and maintenance. Call us today on 0151 201 3455 for more information.