Water leak into internal garage - insurance?

[MoirasRoses]

Hi. We are fairly new into a property with an internal garage & in the last bout of heavy rain a couple days ago, water leaked under the garage door & left us with a very shallow pool of water on the floor that covered about half the garage. The back half was unaffected. We brushed it out & spoke to NBHC who are sending a workman out to see if they can add some additional waterproofing.

Does this count as a flood to declare to our buildings insurer? No water came into the house & there was no flooding outside the house or anything. It was just 48 hours of driving rain & wind against the house & garage door. We are FTB & I constantly worry I haven’t insured the house correctly for some reason. I’m probably overthinking 🙈

I don't think so.

AFAIK household insurance covers EOW due to leaking pipes, drains and roofs, and (but never had one) floods.

I think yours is rain due to poor design or maintenance.

The insurance only covers repair or replacement of things damaged by the water, not repairing the leak or fault.

Look at putting a drain across the front of the garage door. You can get a sort of gutter with a steel grille. Waterproofing is not the answer. Some people put a sort of "hump" of mortar or concrete just inside the door to act as a dam, and you can get a rubber strip for the bottom of the door.

Has the drive or paving been altered since the house was built? It should have had a run-off slope.