![]() Things get a lot worse if you live in an apartment or flat. It may be worth paying out of your own pocket if claiming will increase your premium. Top Tip:: Think carefully before you make a claim. This is on top of any dehumidifiers or other specialist equipment you may need. You’ll need to make a claim on your home insurance if you need to pay for ruined flooring, bubbling paint, peeling wallpaper, cracks in the ceiling, or electrical wiring. A few minutes? Your floors and possessions may be fine, and it’s possible a couple of hours with the mop will save you from having to make a claim.īut if the taps have been running for a couple of hours or more… you may have to say goodbye to your no-claims bonus. Big deal… or not, depending on how long they’ve been running for. Insurance companies consider taps left running as flood damage which is a standard peril covered. You can take out extra cover known as Accidental Damage that insures you for unintentional events such as breakages within the home or spillages that damage appliances … but don’t worry if you don’t have accidental damage cover in place. If your tap staying on and overflowing your sink or bathtub is a result of negligence on your part, you’ll be covered just like if it happened because of mechanical failure. Home insurers consider these kinds of accidents equal, even though you might personally feel guilty. But indoor flooding can also happen when a pipe bursts, a hole appears in your roof, or when you accidentally leave a tap on. How will my insurance company assess the damage after a flood?įlooding can occur as a result of bad weather, or living in close proximity to a body of water which overflows.How much will home repairs cost after a flood?.Am I covered if I accidentally left the tap running?.In this article, we’ll answer questions like: ![]() Either way, your standard home insurance policy will cover these events. Or, maybe you started to run a bath after a long day and fell asleep. Maybe you were late for work, and you ran out of the house with the bathroom tap gushing. Providing you did it by accident, of course.ĭon’t panic, it’s happened to the best of us. Let’s get straight to the good news: yes, your home insurance will cover you if you left your taps on.
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