Active discussions

Please or to access all these features

Talk
AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

Worried sick , re home insurance

65 replies

Upsidedownroundandround · 07/11/2025 15:04

Posting here for traffic as no luck on property
So to cut a long story short , renewed home insurance July this year as premiums on previous we too high. We have since now got a pipe leaking through our kitchen ceiling so have contacted home insurance as it's becoming quite distressing. They have sent emergency people out who have tested the ceiling to see if it's safe to take down to find this leak.
Any way to cut a long story short have been contacted by insurance to say we didn't declare previous claim from last year !? We had asked advice about our porch as a neighbour noted the glass had slipped and looked like we had movement in the porch as there was cracking (only lived here 3 years ) so insurance sent a surveyor out and resulted in them saying no claim will be made as it's clearly an old issue and why would we want to claim ? ( We just wanted to know if it was something we were covered for as panicked out porch was going to fall down ) Now I'm worried sick they will cancel this policy and we are left with an ongoing leak. I have explained I genuinely didn't think that it was a claim as they hadn't actually done anything about it ? And said they weren't going to ? Advice please 🥺

OP posts:
Original poster
Upsidedownroundandround · 07/11/2025 15:55

No they aren't those

OP posts:
TheGander · 07/11/2025 15:40

Are the insurers Covea or Simply Business by any chance?

OnionBudgie · 07/11/2025 15:38

If you have a leak, you should get it fixed immediately. Take photos of damage beforehand. Otherwise the problem is only going to get worse. You can't claim on insurance for general wear and tear, which is likely what the leak will be. As a PP has said, you might be able to claim for the decorative damage.

Strwpaste · 07/11/2025 15:22

This reply has been deleted

This has been deleted by MNHQ for breaking our Talk Guidelines.

stillhiding1990 · 07/11/2025 15:20

Upsidedownroundandround · 07/11/2025 15:12

I'm new to all this so didn't even think , very stupid and naive of me but I was helping my mum as it's her house and my dad used to deal with all this in the past and he is no longer , it's now with an underwriter and we still have a pipe dripping and no idea what we are going to do now 😭 in so stressed , my dd has bad mental health ATM and me myself so this is just tipping me slightly more towards the edge . I will see if I can find something on the policy document ? When I get home I've had to go out for a bit as I can't bear looking at the dripping and the bucket

You can have a look if you log on to your online account maybe. Hope you get it sorted

stillhiding1990 · 07/11/2025 15:19

home insurance does not cover the cost of all future home repairs and maintenance unfortunately op. Everyone would be claiming every bit of work done if that was the case. It’s for storm damage/theft/fire/flood etc. The homeowner is still responsible for the upkeep and necessary repairs outside of this

stillhiding1990 · 07/11/2025 15:16

Coastingby · 07/11/2025 15:16

It's unlikely the actual leaking pipe will be covered anyway. You'll need to get that fixed. The insurance might cover any damage the leak has done but it won't cover the leak itself.

exactly, I wouldn’t call insurance for this scenario at all.

Coastingby · 07/11/2025 15:16

It's unlikely the actual leaking pipe will be covered anyway. You'll need to get that fixed. The insurance might cover any damage the leak has done but it won't cover the leak itself.

stillhiding1990 · 07/11/2025 15:15

Unfortunately insurance calculates risk and as you’ve already had someone out to look at an issue it will be recorded on their data base. A claim is different from an approved claim. A claim is you stating there is an issue that may warrant a payout, an approved claim is when they agree with you.

Original poster
Upsidedownroundandround · 07/11/2025 15:13

Crikey now I am worried , it was rejected I think as they said the movement in the porch was "old" and thus no reason for a claim ?

OP posts:
stillhiding1990 · 07/11/2025 15:13

it will be explained in the literature. Even though your claim was declined it was still recorded as an incident on your record that needed to be declared. It might be cheaper to call a plumber to fix. I would only use home insurance for extensive work.

Original poster
Upsidedownroundandround · 07/11/2025 15:12

I'm new to all this so didn't even think , very stupid and naive of me but I was helping my mum as it's her house and my dad used to deal with all this in the past and he is no longer , it's now with an underwriter and we still have a pipe dripping and no idea what we are going to do now 😭 in so stressed , my dd has bad mental health ATM and me myself so this is just tipping me slightly more towards the edge . I will see if I can find something on the policy document ? When I get home I've had to go out for a bit as I can't bear looking at the dripping and the bucket

OP posts:
2025VibeandThrive · 07/11/2025 15:09

From AI
For home insurance purposes, a "previous claim" is generally defined as
any incident or loss that was reported to an insurer, regardless of whether a payout was made or if the claim was eventually declined

2025VibeandThrive · 07/11/2025 15:09

You need to look to see whether it specifies a loss. All the companies share information about previous claims, that’s how they have found out.

2025VibeandThrive · 07/11/2025 15:07

You need to take a look at the policy wording, you should have a copy or go to the site as a new customer and see what it says about previous claims. There may be a term/condition that states a claim doesn’t have to result in a payment or something.