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When a water leak occurs inside your home, especially one that is hidden behind walls or under floors, “trace and access” cover becomes one of the most important terms in your home insurance policy. Many policies include trace and access cover, which is crucial for handling water leaks effectively. Yet, many homeowners are unsure what it actually means, what it covers, and how it can help during a crisis. To make things easier, we’ve compiled answers to the most frequently asked questions about trace and access cover so you can make informed decisions and avoid surprises during a claim.
For a full overview of how we support trace and access detection, visit our trace and access service page.
What is Trace and Access Cover?
Trace and access cover refers to the part of your buildings insurance that pays for locating the source of a water leak (“trace”) and the costs of gaining access to repair it (“access”). Access covers the expenses associated with locating and exposing leaks, such as detecting the leak and removing the tiles to get to it, but it may not include other repair costs, like fixing the actual leak itself, depending on the specifics of the policy.
Does Trace and Access Cover the Repair of the Leak?
No, in most cases trace and access only covers the investigation and access. The repair to the actual leaking pipe, and any resultant water damage, may or may not be included depending on your specific insurance policy. While detection costs are typically covered, the leak may need to be repaired separately, and this repair might not be included. Always check with your insurance provider for confirmation.
Is Trace and Access Included in All Insurance Policies?
Not necessarily. According to MoneySuperMarket, trace and access is not automatically included in all home insurance policies. Some policies offer it as standard, while others may require it to be added as an optional extra. It is crucial to verify if the policy includes trace and access cover by reading the policy wording carefully to avoid disputes when making a claim.
How Much Does Trace and Access Usually Cover?
Coverage limits vary between insurers. A typical trace and access cover may range between £5,000 to £10,000. This is considered a “reasonable amount” for identifying a leak using specialist equipment such as thermal imaging, moisture meters, and acoustic detection. However, it is crucial to ensure your policy provides adequate cover for trace and access to avoid unexpected expenses.
Will Trace and Access Cover Roof Leaks?
Roof damage can lead to significant issues, including water leaks, making it crucial to monitor and maintain your roof regularly. Sometimes, but not always. Roof leaks due to sudden damage (like storm-related issues) may be covered, but those arising from poor maintenance or wear and tear are often excluded. Check your buildings insurance policy for specific inclusions.
What Happens If I Don’t Have Trace and Access Cover?
Without trace and access, you may have to pay out of pocket for the costs of investigating and uncovering the leak. This can include breaking through walls, lifting flooring, and possibly even removing parts of your central heating system to find the source. These extra costs can add up quickly, and the additional damage caused by these invasive methods can lead to further expenses if the leak is not addressed promptly.
How Do I Make a Trace and Access Insurance Claim?
Start by contacting your insurance provider immediately when you notice signs of a leak. Early communication is crucial for making a successful claim. They’ll guide you through the claims process and may request a visit from a loss adjuster. To support your insurance claim, keep a record of any damage caused, take photographs, and request a full report from the leak detection specialist.
Citizens Advice recommends acting quickly and retaining relevant information to improve the likelihood of a successful insurance claim.
Does Trace and Access Apply to Neighbouring Properties?
It can. If your property’s leak causes damage to a neighbouring property, your insurer might step in to cover investigation and access, especially if you’re found liable. However, how this is handled may vary greatly based on your insurance company and their terms. An access claim can be refused if an insurable event has not occurred, so it’s crucial to understand the specific conditions and exceptions within your policy.
What Are Common Signs I Might Need Trace and Access?
Damp patches on walls or ceilings
Unexpectedly high water bills
A drop in boiler pressure
Mould or mildew with no clear source
A musty smell or persistent damp problem
These may indicate a hidden water leak, and a professional trace and access company can use specialist equipment to identify the source.
Does Trace and Access Cover Include Repairs to Flooring or Walls?
Yes, the cost to remove flooring or cut into walls to locate the leak is usually covered. However, reinstating the damaged areas (like retiling or replastering) often requires separate access insurance or may fall under different terms in your home emergency cover. While the access to the leak is covered, the actual leak may need to be repaired separately, and this repair might not be included in your policy.
Can I Choose My Own Leak Detection Specialist?
Many insurers allow you to appoint your own leak detection company or plumber. However, some require you to use their network. Always clarify with your insurer before proceeding.
GoCompare advises comparing policies not just for price, but for what’s actually covered under access cover and trace and access terms. It’s crucial to consider the coverage limits for access services, as these can significantly impact the costs when accessing difficult-to-reach leaks.
How 0800 Homefix Can Help
At 0800 Homefix, we understand the stress hidden leaks can cause. That’s why it’s crucial to contact professionals immediately. We offer end-to-end support for trace and access, from detection and documentation to working with your insurance company. Our tools include:
Thermal imaging
Acoustic sensors
Moisture detection
Comprehensive reporting for your home insurance claim
Final Thoughts
Understanding trace and access cover requires a good understanding of the coverage, which can save you time, money, and stress during a water emergency. Make sure you know what’s included in your home insurance policy, ask your insurance provider questions in advance, and work with reputable professionals like 0800 Homefix to ensure the best outcome.
Need Help With a Hidden Leak?
Call 0800 Homefix today to schedule a visit or learn more about how we can assist you with trace and access claims. Promptly contacting us is crucial to ensure your property is protected again.