Home insurance: trace and access cover
Trace and access covers finding a hidden leak and opening up and making good the walls or floors to reach it. It does not pay to fix the leaking pipe itself, and damage the water caused falls under escape of water cover instead [15].
- It comes with buildings insurance. Contents-only policies do not include it.
- Limits are usually £5,000 to £10,000, and it is not standard on every policy [16]. Admiral's landlord policy leaves it out [15].
- Escape of water claims commonly carry a compulsory excess of £250 to £500 [17].
- Contact your insurer before appointing a contractor, as Confused.com advises [18]. Your insurer may want to choose the firm or agree the cost first.