How to Prepare an Escape of Water Insurance Claim (UK)

Preparing an escape of water insurance claim can be complex, particularly where damage develops over time or the source of the leak is disputed. Understanding what insurers typically assess can help reduce delays and confusion.

This guide explains, in general terms, how escape of water insurance claims are usually prepared in the UK.

Step 1: Record Damage and Identify the Source

Once it is safe to do so, record visible damage using photographs and notes. If known, note the suspected source of the escape of water.

Step 2: Review Your Policy Wording

Check how your policy defines escape of water and note any exclusions or conditions, such as gradual damage or maintenance requirements.

Step 3: Gather Supporting Information

Collect plumbing reports, invoices, drying assessments, and correspondence related to the damage. Clear records help explain what has occurred.

Step 4: Communicate Clearly With the Insurer

Providing accurate and consistent information can reduce misunderstandings during the assessment process.

Important Note

This guide provides general information only. It does not provide regulated insurance advice, does not prepare claims, and does not act on behalf of policyholders.

Getting Further Guidance

If you are unsure how your insurer’s requests should be interpreted or what information is relevant, Claim Guardians provides information and guidance to help you understand the process.