Policy note
Water damage in a converted barn
Water damage is the situation the household conditions treat in the most detail, because water travels and the cause is usually somewhere other than the mess.
What follows is the ordinary position at Noorderdijk. The policy schedule and the conditions document together are what a claim is assessed against, and where this note and those documents differ, those documents are the ones that count.
A converted barn is part old structure and part new work, and the schedule says which parts of it the policy treats as the building.
02
What the policy covers here
- Sudden escape of water from a pipe, a tank or an appliance inside the building.
- Reasonable costs of stopping the water in the first hours, an emergency plumber included.
- Damage to the things in the home that the water reached, where those are insured.
03
What it does not cover here
- The failed part itself, which is a repair rather than damage.
- Water that came in through a roof or a wall that was already in poor condition.
- Damage in a building left unheated through a frost with the water still in the system.