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Will Buildings insurance cover tracing electric fault

Discussion in 'Electrics UK' started by bobgroups123, 30 Oct 2020.

  1. bobgroups123

    bobgroups123

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    Hi,
    Before i ring insurance company can anyone tell me if the below line in policy covers tracing an electrical fault under my floorboards?
    "Tracing and repair of leaking underground pipes, drains and cables up to £2,500 for any one claim and £25,000 in any period of insurance"

    some background got a short circuit and the RCD keeps popping. I have emergency electrical cover with homeeserve but they wont fix it and said must be bad wiring under floorboards. They said check if my insurance covers trace and access
    thanks
     
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  3. crystal ball

    crystal ball

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    Are they "underground"
     
  4. EFLImpudence

    EFLImpudence

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    I don't know about the insurance, but get back to Homeserve.

    They should at least find where the fault is even if they can't access the cable.
     
  5. chivers67

    chivers67

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    When you Say the RCD is popping does an MCB pop too? Could well be due to damp issues if it's just the RCD tripping out?
     
  6. KenGMac

    KenGMac

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    bobgroups123, good evening.

    Short answer is yes your Policy should cover the T/Access for a cable fault.

    As for "Homeserve" sorry but I do not have much faith???

    Ken.
     
  7. conny

    conny

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    I thought Homeserve worked on council properties. Didn't know they did private homes as well but if you have a contract with them then they should be the ones tracing the fault and repairing as part of your contract. If you claim on your home insurance expect your premiums to rise over the next few years to reflect this. May be cheaper in the long run to employ a decent electrician to sort it.
     
  8. KenGMac

    KenGMac

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    Homeserve "offer" a form of Insurance covering all white goods, drains, and Electrical, and water leak tracing. Both within and outwith the property.

    This all sprang out of "several" Contracts that Homeserve, or a Company trading under that name [who knows who took over Whom?] had ties to various major Insurers offering a nation wide Insurance Repair coverage, Bluntly it all ended in tears, so up sprang what you see today, it appears that Homeserve are still offering a form of cover without the ties to the large Insurers.

    The above is a service to any Home owner

    Ken.
     
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  9. bobgroups123

    bobgroups123

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    I phoned insurance broker and trace and access is only relating to loss of water...there goes I tried. I'll check my Homeserve contract.

    Homeserve supervisor after me escalating, agreed to call back the electrical contractor and help me out if I can get the wiring under the floorboards exposed. Homeserve's electrical contractor reckons there is a junction box under floor which has a 6mm cable branching off to 1.5mm and 2.5mm. he looked at electrical cable going to boiler and said it's 1.5mm so that is too low. The wiring coming out of the RCD at the consumer unit is a hefty 6mm cable. probably what happened in his opinion that is the old wiring to electric shower or electric cooker that was there b4 and whoever did the wiring for kitchen (according to me some 15 yrs back) branched off that.

    According to Homeserve 3rd part contracted engineer he says that's the prob - 6mm branching off to 1.5mm for boiler and 2.5mm for living room lights and plug circuit.
     
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  11. bobgroups123

    bobgroups123

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    Good evening Ken - I called insurance broker and he even checked with his manager. After holding on a few mins he said trace and access is only for escape of water not an electric short circuit. he even said wear and tear of electric cable would not qualify. He then clarified further that if escape of water caused electric cables to short circuit then the cover would apply to trace and repair electric cables along with the loss of water issues. So I'm back to square one....
     
  12. bobgroups123

    bobgroups123

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    Sorry I'm not sure what the MCB is. This is just the relevant fuse or RCD on the consumer unit for that circuit keeps flicking back to off when I turn it on. All the other fuses on consumer unit stay on the on position. I've never had any problems for years. Homeserve contractor said it could even be mice.. Not had mice for years. Hope there's none under floorboards chewing electrics...
     
  13. bobgroups123

    bobgroups123

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    Yeah..Looks like I'll have to get an electrician.
     
  14. bobgroups123

    bobgroups123

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    actually under floorboards so i guess that wont be underground
     
  15. bobgroups123

    bobgroups123

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    Is it easy or problematic to get laminate flooring off and put it back again, i.e. take off some laminate get to floorboards and put that same laminate flooring back again after wards?
     
  16. chivers67

    chivers67

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    An MCB just has on / off

    [​IMG]




    An RCD has a Test Button too

    [​IMG]


    Post a a shot of Your consumer unit.
     
  17. winston1

    winston1

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    You have to start at the edge and take up whole strips at a time. So yes problematic.
     
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