Water Damage At Home?

Find out why most brokers and policy holders choose ILA as their UK Loss Adjuster following water damage at home.

Water Damage...

What Does This Mean?

Water damage can cover a lot of perils so it is important to be clear of what this means when making a water damage claim. 

Water damage can be caused in a number of ways, including flood, escape of water, accidental damage, or damage to drains. Regardless of the type of claim, water can cause significant harm to a property and its contents. Property owners should take prompt action to address the damage, which may involve working with a professional restoration company and filing an insurance claim to cover the costs of repairs and replacement of damaged items.

It is important to note that black water and water from a domestic household pipe are two distinct types of water damage, and insurance policies may treat them differently.

Black water is highly contaminated water that may contain harmful bacteria, viruses, and other pathogens. This type of water damage typically occurs as a result of a flood or sewage backup and can be a significant health hazard.

Water from a pipe, on the other hand, is typically considered to be clean water. This water is usually free from contaminants and can come from sources such as a burst pipe, leaking appliance, or overflowing sink. It should be noted that clean water can become contaminated if left untreated following a leak. 

In terms of insurance coverage, policies have different limits and exclusions for different types of water damage. Regardless of the type of leak, property owners should take prompt action to address any type of water damage to prevent further damage and protect their health and safety. This may involve contacting a professional restoration company, documenting the damage for insurance purposes, and working with their own Loss Adjuster to present the loss. 

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We believe that everyone should have their own Independent Loss Adjuster when they suffer an insured loss or damage. 

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