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Want to make your hot air heating system more energy efficient? This guide covers what homeowners need to know about boosting energy efficiency in hot air heating systems: practical tips, maintenance advice, and upgrade options to help you save money and reduce your carbon footprint. At 0800 Homefix, we specialise in optimising heating systems to ensure they deliver maximum efficiency and comfort for your home.
If you’ve discovered signs of a hidden water leak-such as musty smells, damp patches, or an unusually high water bill-you’ll likely need trace and access services. But who exactly is responsible for carrying out trace and access work? And how does it connect to your home insurance? This guide answers those questions in detail and explains the process, responsibilities, and insurance implications.
Visit our Trace and Access Service page to see how 0800 Homefix can help.
Who Carries Out Trace and Access Work?
Trace and access work is carried out by leak detection specialists or an access company trained to locate and expose hidden plumbing issues such as a leaking pipe, burst pipe, or other concealed faults. These professionals often work with insurance companies, plumbers, and emergency plumbers to coordinate the detection and repair process.
Specialists use advanced equipment like thermal imaging, acoustic sensors, tracer gas, and moisture meters to identify hidden leaks. In many cases, these technicians are part of or associated with an approved plumber network recognised by your insurance provider or water company.
If you’re wondering whether to call a regular plumber or a specialist, the answer depends on your policy. In most buildings insurance policies, trace and access cover applies only when specialist detection is needed, not routine plumbing repairs.
The Association of British Insurers (ABI) highlights the importance of having the correct home insurance cover when it comes to locating hidden leaks.
Trace and Access Work: Roles and Responsibilities
The responsibility for trace and access can vary depending on your insurance arrangement:
Insurance Company: May appoint their own access company or allow you to choose one. Some require that you pay upfront and claim later.
0800 Homefix and Similar Specialists: Provide both detection and documentation services, ensuring the process is compliant with your home insurance policy.
You, the Policyholder: Must act quickly, choose a qualified professional, and initiate the trace and access claim process.
Many policies cover trace and access insurance, but coverage can vary greatly. That’s why understanding your cover limits, access included, and what is classified as accidental damage or general wear is essential.
What Is Included in a Trace and Access Service?
A typical trace and access service includes:
Non-invasive identification of a water leak
Use of specialist equipment for precise detection
Provision of a written report
Controlled access to the leak (lifting floors, removing tiles, etc.)
Coordination with your insurance provider
Optional repair to damaged pipes or underground pipes covered by your policy
Note: Some policies only cover the costs of tracing and accessing-not the actual repair-so always check if your home insurance cover trace and access.
The Financial Ombudsman Service provides further insight into how claims are handled for escape of water and trace and access cover.
Are All Leaks Covered?
Not all leaks qualify. Coverage depends on:
The insurance policy wording
Whether the leak was due to accidental damage or poor maintenance
If the leak is located on private land or public mains
Whether you acted quickly to minimise damage caused
Examples of covered issues:
A burst pipe behind a wall
A leaking pipe under the floor
Leaks from toilets taps or the central heating system
Exclusions often apply to leaks caused by general wear or if the property was left unoccupied.
Checkatrade also explains the importance of checking for exclusions in home insurance documents.
How 0800 Homefix Supports Trace and Access
As a professional access service provider, we offer:
Fast response times
Specialist trace and access equipment
Insurance-compliant reports and quotes
Skilled heating engineers and approved plumbers
End-to-end coordination with your insurer
We’ve worked with clients across the UK to help them submit successful trace and access claims-minimising delays, ensuring minimal disruption, and preventing unnecessary damage.
The Citizens Advice Bureau offers tips on working with insurers and choosing qualified professionals.
Common Scenarios Where Access Work Is Needed
Here are a few reasons why trace and access might be necessary:
Musty smell or damp patches with no visible leak
Sudden drop in boiler pressure
Damage around the water meter or rising water bills
Leakage under concrete or tiled flooring
Pipes running through walls, ceilings, or confined spaces
In these situations, you’ll need a specialist to locate and expose the leak for further repair.
Insurance & Access Work: What You Should Know
Many home insurance providers include trace and access cover-but not all. In most insurance claims, you must prove:
The leak is hidden
Damage would increase without intervention
The process requires access cover or trace and access services
Check your home insurance policy or speak with your insurance company to understand your eligibility.
Some policies cover only tracing, not repairing. Others may exclude access insurance cover if damage is intentional or the pipes are considered out of bounds.
Always consult a professional and read the fine print. You don’t want to assume your home insurance cover trace and access when it only includes access to above-ground plumbing.
Final Thoughts: Who Should You Contact?
When dealing with suspected plumbing leaks or hidden water leaks, don’t delay. Contact a certified trace and access company like 0800 Homefix to ensure:
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Fast detection
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Precise identification of the leak
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Documentation for your insurance claim
This saves you time, repair costs, and potential property damage. Trace and access is a specialist job-not every plumber can perform it. Trust qualified experts who understand both the technical and insurance-related sides of the process.
FAQs
Who pays for trace and access?
If included in your insurance policy, your insurance company will reimburse you-either directly or after the job is completed and documented. Some may pay upfront if you use an approved tradesperson.
Is access work included in repairs?
Access usually includes finding and exposing the leak. Repair of the actual leak might require additional approval or may fall outside the access cover.
What tools do trace and access companies use?
We use moisture meters, thermal imaging, acoustic detection, and tracer gas-all designed to find leaks with minimal disruption.
Does trace and access work cover hidden pipes under floors?
Yes. Most trace and access cover includes investigation under floors and behind walls, and sometimes even underground pipes covered under your buildings insurance policy.
Is landlord insurance different?
Some landlord insurance includes trace and access, but it depends on the policy wording. Speak with your insurance provider.
For more help, contact our team at 0800 Homefix for service you can trust.