In this case, you would likely be covered by your insurance. Additionally, the water could leak through the floor and damage the walls or ceiling of the floor below. If water started unexpectedly pouring out of your washing machine while you weren't home, it could cause your wooden floorboards to buckle. Additional Living Expenses (ALE) coverage: ALE coverage, sometimes referred to as loss of use, will reimburse you for hotel, travel and food expenses if you're temporarily displaced from your home.However, certain luxury items, such as jewelry, may only be covered up to a $1,000 to $2,000 limit, unless you add an optional rider to your policy. Property coverage: Your policy will reimburse you for any personal property, such as clothing, TVs and furniture, that is destroyed when a plumbing malfunction causes damage to your home.Dwelling insurance also covers your home's built-in appliances, such as a water heater, if they're damaged. If part of your house is damaged by a covered leak or if you have to remove a part of a wall in order to repair a leak, your dwelling coverage will reimburse you. Dwelling coverage: Your policy's dwelling coverage clause insures the structure of your home, such as its roof, walls and floorboards.Initio paid the claim efficiently, straight to the customer’s bank account. The above does not imply a guaranteed approach to all such claims” An Initio customer returned from a holiday overseas to discover a sudden burst pipe had resulted in almost $8,500 worth of damage. “All claims are different and they are assessed on their own merits and facts. This benefit covers leaks stemming from internal water pipes and tanks that are hidden from site and have been leaking over a long period of time, the cover is capped at $3,000 and your excess will be deducted from that limit. Is this covered?īecause the damage has been happening over a long period of time, we need to claim under the ‘Hidden Gradual Damage’ benefit of the insurance policy. Our plumber has told us that the leak was caused by a rusted nail in a pipe in the wall, it’s been slowly leaking for the past few weeks but we’ve only just noticed it. This amount is chosen by you when you buy the insurance, if you can’t remember, just check your policy schedule (you’ll find this document on your dashboard). So long as their costs are reasonable and you are happy with the standard of work, then we’re happy. You can use any repairer or supplier you like. If there is significant damage to your home afterwards, then we can get an assessor to go to site.Ĭan I use any plumber, electrician, drying company, or do Initio have approved companies that I must use? See our guidelines on black water and cleaning up after a flood.Īn assessor won’t be able to do anything until the property is dry. We’ll email or call you within 1 business day.Īs a precaution, where homes have been contaminated by black water (sewage or storm water), extra care must be taken. Log in to your dashboard on the Initio Website and click on Make a Claim, fill in the form and send us any photos you’ve taken.Call a professional drying company such as ChemDry or JAE and get them to install some commercial dryers and blowers as soon as possible, they’ll also know if carpets need to be uplifted, walls opened and insulation removed etc. If the wiring could be wet, turn the power off and get an electrician to check it. You might need to get a plumber to do this for you. Get the water turned off or at least isolate the leak to stop water flowing to it.If you have home and contents insurance with Initio and your home suffers water damage, here’s what you need to do:
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