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Flood in my kitchen - do I claim?

9 replies

newkitch · 06/07/2022 08:24

I had an outside tap put in, one with hot water so I could wash the dog outside.
It was done by local handy man rather than a plumber/plumbing business.

This new connection burst yesterday and I arrived home after work to my house like a sauna - as soon as I walked in the front door the humidity hit me, hot water pouring out of the badly fitted connection.

I turned the stop clock off, handyman came round to fix it and help mop up the water which was contained to the kitchen.

He replaced the connection, left and 3 hours later the connection burst again so we had to go through the mopping up again - not so bad this time as I realised after 10 mins.

There wasn't too much water as I think most of it had gone through the flooring and into the void below (1930s house).

The flooring is damaged and will probably need replacing (it's a kitchen diner and although the flooring is only damaged in the kitchen bit - the way it's been laid would mean that the join between old and new would be exactly where you have the most foot traffic - but it's been laid under the skirting, so it's a bigger job to remove it all.

The kitchen unit around the burst connection is screwed and needs repairing/replacing. More due to the humidity than actual water I think. I was out of the house 8 hours so have no idea how long the water was running, it was hot water on full power. I have no idea as I don't have a smart meter how much that is going to cost either.

It's not a big kitchen and is over 15 years old. It's serves its purpose and was in reasonable condition, but the flood has tipped it over. I had/have no wish for a new kitchen but it seems madness to invest time and money bodging repairing the old kitchen, I don't know where it's from as I didn't install it.

My house is very damp feeling, luckily the weather is good and the rest of the week I am WFH so I can have the doors/windows open. The handyman is dropping a dehumidifier round for me.

My question is, do I claim on my house insurance (I haven't had time to look at my policy)? Do I claim on his insurance?
I'm sure he will make good the repair work on his dime as it was his work that lead to the burst connections. But then I have an old kitchen with botched repairs and flooring. Am I better to bite the bullet and get a new kitchen now rather than the upheaval of repairs which are never going to be as good as before the issue?

Please advise, I've never been in this situation before and its come at the worse possible moment!

OP posts:
VanGoghsDog · 06/07/2022 08:28

Go through your insurer, they can chase him if they want to.

Mind you, you do have a duty to employ proper trades people so using a handyman and not a plumber could mean the insurance doesn't cover you, but they will tell you. It also is pretty unlikely that he has professional indemnity insurance to be honest - did you ask him?

newkitch · 06/07/2022 11:27

VanGoghsDog · 06/07/2022 08:28

Go through your insurer, they can chase him if they want to.

Mind you, you do have a duty to employ proper trades people so using a handyman and not a plumber could mean the insurance doesn't cover you, but they will tell you. It also is pretty unlikely that he has professional indemnity insurance to be honest - did you ask him?

Would that make a difference to my insurance if he doesn't have professional indemnity insurance?

OP posts:
needasleep · 06/07/2022 11:31

Hi not asking the tradesman for insurance details will not effect your claim. Please put a claim into your insurance company fixing the damage caused by escape of water is very expensive. This is my job Happy to answer any questions.

needasleep · 06/07/2022 11:34

If you had installed the tap yourself and not qualified you would be covered. Insurers will cover the cost to fix the water damage but the cost to fix the burst pipe will be at your expense.

VanGoghsDog · 06/07/2022 12:08

needasleep · 06/07/2022 11:31

Hi not asking the tradesman for insurance details will not effect your claim. Please put a claim into your insurance company fixing the damage caused by escape of water is very expensive. This is my job Happy to answer any questions.

I didn't say that. Bit worrying if this your job that you thought that's what I was saying!

VanGoghsDog · 06/07/2022 12:08

newkitch · 06/07/2022 11:27

Would that make a difference to my insurance if he doesn't have professional indemnity insurance?

Not to yours, no.

But you also asked if you should claim on his - you can't if he doesn't have any. Did you ask him?

needasleep · 06/07/2022 12:37

Claim on your own insurance first as it is based on a new for old on your insurance and they will try and make a recovery. His insurance will deduct wear and tear on all items. I would always recommend claiming on your own insurance you get a quicker and better settlement

Ashervenny · 31/01/2024 12:52

This reply has been deleted

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

Tiptapcrab · 31/01/2024 12:59

We did - I thought about doing myself but it ended up costing £27k so I am glad we did via insurance! They brought in industrial drying machines as all the wood etc was soaked. Ours was leaking for a week though!

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