Hi all,
Recently a small area of the carpet near our bathroom has been wet and is now getting worse while spreading. The house is about 22 years and on a hill. I've never had an issue like this before, am I right in thinking we call a plumber? Is this covered by home insurance and if so, do I call them before a plumber ?
Many thanks
Identify problem. Fix problem. Pay for problem. Claim problem.
Thanks, just called a plumber. Wasn't sure if we had to go through insurance
What if your insurance PDS and requirements are different? There are no consequences for giving you wrong or inapplicable advice.
Its usually always best when water is leaking to resolve that as quickly as possible before it creates an even bigger problem. Whether you can claim it or not is another issue but getting that leaked stopped is an absolute priority.
Without having any idea of the layout of the house or location of problem you are unlikely to get much help.
If it is surface water (rain runoff), you need to divert it away from the house. If it’s coming from underground will be more difficult to deal with. If it is coming from your pipes, definitely need a plumber.
Recently a small area of the carpet near our bathroom
At a wild guess on the other side of the wet carpet is a leaking shower
Is this covered by home insurance
Read your PDS, leaking shower/damage isn't covered, but leaking pipes are.
Thanks, were hoping it's just a leaky shower
leaking shower/damage isn't covered, but leaking pipes are
Also it's just the water damage caused e.g. to carpets, that's covered, not the cost to rectify e.g. leaking pipe.
Also it's just the water damage caused e.g. to carpets, that's covered, not the cost to rectify e.g. leaking pipe.
I think you have that the wrong way around. Verify with your PDS to see what is covered and what isn't. Lets late this one for example
https://www.nrma.com.au/home-insurance-claims-am-i-covered#:….
Bathroom leaks
Small water leaks around your shower, bath or toilet may not seem like a significant issue - but they can become one. That water has to go somewhere - usually into your floors and walls causing deterioration over time.
If you’re claiming for damage caused by seals that haven’t been maintained, you may not be covered.
Damage caused by leaking membranes that haven’t been maintained properly may not be covered so make sure to regularly check your seals and membranes for signs of deterioration (and replace or repair them when needed).
So yeah, If the source of the damage is from a leaking shower then nothing is covered normally, not the repair or the damaged caused.
If the source is a leaking pipe, then that damage is covered, including the repair.
Some others to compare, all say the same thing. So don't get too excited about a 'free' repair as it might not happen.
https://www.suncorp.com.au/learn-about/maintaining-a-home/ar…
https://www.gio.com.au/know-more/insuring-your-home/water-le…
Sorry, should have clarified… if it is covered by insurance (which you verify from the PDS, calling the insurer, etc.), then it's just the water damage caused e.g. to carpets, that's covered, not the cost to rectify e.g. leaking pipe.
Bottle and sell it as spring water.
Step 3. Profit!!!!
Yes, being near a bathroom, the Wet Seal may have failed…
Yeah thanks, this is probably the issue.
check seals, check grout etc.
Read your PDS or call your insurance to find out.