Policy note
Water damage in a flat above a shop
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.
In a flat above a shop the ceiling of one business is the floor of a home, and the two are usually insured by different people. The schedule names which part of the building this policy answers for.
02
What the policy covers here
- Sudden escape of water from a pipe, a tank or an appliance inside the building.
- The work needed to reach the leak, such as lifting a floor or opening a wall.
- Drying the structure afterwards, and making good what was opened to get at the leak.
- 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
- Slow seepage that has been going on long enough to stain or to rot.
- 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.
- Groundwater rising through a floor, which is a section of its own.