Mr Kinch – Repudiated Water Damage Claim

Location: Maldon, Essex
Incident: Water Damage

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The Incident

Water damage to the kitchen of Mr Kinch’s cottage property had become visible over a number of months. When discussing the claim he had mistakenly used the word ‘dampness’ to the insurance loss adjuster on the day of his visit so insurers repudiated his claim (kicked it out) as damp is not an insured peril. They stated it was probably rising damp. They would not budge.

“I found Oakleafe online and they visited the next day. They had a technician with them who took a sample of the affected wall plaster and tested this for traces of sulphates and nitrates present in ground water. Instead traces of chlorine were found and this is linked to potablewater which showed the damage was probably a leak from a cold water pipe.”

How Oakleafe handled:

  • Tested the area to determine the type of water damage
  • Undertook a trace and access to locate the leaking pipe
  • Prepared and presented a quantified scope for reinstatement
  • Dried the property out with specialist equipment
  • Handled all calls and meetings with the Loss Adjuster
  • Arranged for contractors to repair the damage

The Result

“What can I say? I had no claim when they arrived yet they had the expertise to prove it wasn’t rising damp and as a result I got a 21k settlement PLUS a food allowance as I wasn’t able to use the kitchen for the duration of the works. The team were fantastic and I particularly liked the Trackpro online system which I could
log into when at work and see real time updates and pictures of the progress.”

Summary
Review Date
Reviewed Item
Insurance Claim - Domestic Water Damage
Author Rating
5