Why Escape of Water Claims Often Lead to Disputes (UK)

Escape of water insurance claims frequently lead to disputes due to uncertainty over timing, cause, or the extent of damage.

This guide outlines common reasons why escape of water claims can become disputed.

Source and Duration Disputes

There may be disagreement over when the escape of water occurred or how long the damage developed.

Policy Exclusions and Conditions

Disputes can arise where policies exclude gradual damage or impose maintenance obligations.

Extent of Damage

Insurers and policyholders may disagree over which areas of damage are directly attributable to the escape of water.

Important Note

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

Getting Further Guidance

If you are unsure why an escape of water claim has become disputed, Claim Guardians provides information and guidance to help you understand the insurer’s position.