- Oct 06, 2014
Last May I opened a claim against my insurance for damp on the wall. The assessor came for the inspection but he just took 2 pictures and nothing else. Afterwards, the plumber came and opened the wall, gets to fix the pipe but then he stated that the installation was wrong. We ask them to change it and that we will pay the difference, and he refused and closed the wall.
We cannot paint because the wall is not dry. Right now we have the same spot, on the same site. We called the Insurance Company and they told us that we are not cover and that they have sent us a burofax where they make us responsible for changing the installation.
On the Telephone they tell us that the assessor proposed us to make the connection with the Insurance Company, something like that they will make us a quote for the change of the installation, but this is impossible because we he came the wall as still closed.
If we are sure that the damp comes from the same section, which was not well repaired can we do something?
Moderator, Sergio Sanguino
I understand that what happened is that with the hole at the wall the plumber found a broken piece of pipe, and when you say that the installation is wrong you mean that there is widespread corrosion in the pipeline. He repaired the damaged section and closed the hole leaving the painting pending.
I understand that the procedure is abnormal; they must send a plumber first (If the assessor goes first the only thing he can do is to take a photograph of the wall and order a plumber opening a hole to locate the breakdown). Once detected the breakdown, and understanding that the pipe has corrosion (it is rotten) they should have advise you about the obligation to change the system with corrosion particularly since Insurance Companies usually attend the first case of corrosion, but not the following. As the insured already knows about the poor condition of the pipes (this is when the expert must go to the house to explain to the insured the procedure) the Insurance Company excludes claims for lack of maintenance. As we cannot know the situation of the pipe until you make a hole and it is revealed, the first case will be covered for corrosion but they warn you that you must change the installation or the following claim will not be covered)
In this case the solution is opening a new hole on the wall and to locate the break down. If it is located in a new area the Insurance Company can reject the claim as they warned you about the poor condition of the pipeline, but if the fault was in the same place where the previous break down took place, you could claim that the repairs were not well done (it is difficult for a repaired rusted pipe to lasts over time)
I hope this helps.