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When dealing with a sudden water leak in your home, one of the first questions you might ask is: does trace and access cover plumbing repairs? Understanding the scope of your home insurance, including trace and access insurance, is essential when it comes to unexpected leaks and the cost of locating and repairing them. Trace and access insurance is often included in many buildings insurance policies and covers the cost of finding and accessing leaks in properties. While many insurance policies include trace and access cover, what’s included can vary widely. This article clarifies the difference between finding a leak and fixing it – and whether your insurer is responsible for both.
For full details on how we handle leak detection and reporting, visit our dedicated Trace and Access service page.
Trace and Access Cover: Locating the Problem
Trace and access cover refers to your insurer’s willingness to pay for the cost of finding the source of a water leak – not necessarily fixing it. When you notice damp patches, hear dripping, or see a sudden rise in your water meter readings, the cost of detecting a leak can escalate quickly. This is where trace and access becomes essential.
Professional leak detection involves advanced tools such as thermal imaging, acoustic sensors, and moisture meters to locate a leaking pipe hidden behind walls, under floors, or even beneath concrete. While these tools reduce disruption to your property, they require trained professionals, and the service can be costly without the right insurance cover. For more information on advanced leak detection methods, you can refer to WaterSafe’s guide on finding leaks.
According to MoneyHelper, trace and access costs can run into thousands of pounds depending on the complexity and location of the leak.
If your insurance policy includes trace and access, your insurer will typically cover the cost of locating the leak and gaining access (e.g. removing floorboards or breaking through walls). This is known as access cover. Trace and access cover specifically covers the cost associated with locating and accessing the source of leaks, ensuring that homeowners are reimbursed for the expenses incurred in the repair process.
Does It Cover the Plumbing Repairs Too?
The short answer: usually not. While trace and access will pay to find and reach the leak, the actual plumbing repair – fixing or replacing the damaged pipe or valve – is typically considered a separate cost.
Most insurance companies classify repairing the plumbing issue as part of routine maintenance or as the homeowner’s responsibility. Your home insurance provider may refuse to pay for fixing damaged pipes, especially if it was caused by general wear and tear, corrosion, or poor maintenance.
However, some buildings insurance policies offer broader coverage that includes the cost of repairs, particularly if the damage was sudden and accidental. It’s crucial to read the fine print in your policy or speak with your insurance provider to clarify what’s included. For further insights on what your policy might cover, check out the Association of British Insurers guide.
Compare the Market highlights that only some policies include pipe repairs, and even then, there may be limits on the amount paid out.
Examples of What May Be Covered
Typically Covered by Trace and Access Cover:
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Labour to detect the water leak
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Specialist equipment such as thermal imaging
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Removing and replacing floors or walls to access the leak
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Documentation to support an insurance claim
Usually Not Covered (Unless Specified):
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Repairing or replacing the leaking pipe
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Fixing faulty plumbing systems or valves
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Cost of new fittings or rerouting pipes
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Repairs caused by wear and tear or poor maintenance
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Repairs for damage caused by the leak
The Role of Your Insurer and the Access Company
In many cases, your insurer will either send an access company or approve your choice of a leak detection specialist. The company you work with should provide a detailed report, photographic evidence, and cost breakdowns that align with your insurer’s expectations. Recording relevant information, such as photographs and documentation, is crucial for supporting claims related to damage caused by leaks.
If your insurer allows, companies like 0800 Homefix can carry out both detection and full repair. While you may need to pay upfront, these costs may be reimbursed under certain policies.
As explained by Citizens Advice and ABI, clear communication and record-keeping are key to a successful insurance claim.
Underground Pipes and Private Land
One of the most common concerns involves underground pipes covered by soil or concrete. In general, if these pipes are within the boundary of your property and supply water directly to your home, they are covered under your buildings insurance policy.
However, if the pipe crosses into private land or is shared with other properties, the responsibility may be split between property owners or fall to your local water company. Additionally, most home insurance policies will cover repairs to underground pipes unless they have been damaged intentionally. Insurers typically exclude coverage for pipes that are not on the homeowner’s property or those that have experienced intentional damage or gradual degradation over time. For more on this, see Ofwat’s guide on water mains responsibilities.
What to Do When You Find a Leak
Turn off the water supply at the stopcock to begin the process of handling the leak.
Contact your insurance provider to report the leak and confirm your coverage.
Book a leak detection survey with a qualified trace and access company.
Collect documentation: photos, water meter readings, and any plumbing invoices.
File your claim promptly, and keep records of all communication.
Summary: Know What You’re Covered For
So, does trace and access cover plumbing repairs? Not always. While it’s invaluable for locating the leak and minimising disruption to your home, the actual repairing of the pipework may fall outside the scope of your cover.
Make sure your home insurance policies are up to date and contain adequate home insurance cover trace. This specific coverage is not always included as a standard feature and may require an additional premium. Reviewing individual policies to understand what coverage is provided is crucial, as levels of cover can vary significantly. If in doubt, contact your insurance company or speak with the team at 0800 Homefix for tailored advice and support.