| One of the most inconvenient and infuriating types | | | | caused by an accident, such as a burst pipe, is going |
| of damage in your flat is the damage caused by | | | | to be covered. This will usually apply to any damage |
| water. Even worse is the damage caused by water | | | | caused by a water tank leak in the flat upstairs that |
| from the flat above your own! The damage caused | | | | happens to damage your flat as well. It is important |
| by a water tank can not only destroy the walls, | | | | to remember, however, that damage caused by |
| floors, and carpets of your home, but it can be | | | | neglect or disrepair is not going to be covered. This is |
| extremely dangerous if mould begins to grow. Mould | | | | where it can get tricky when the water damage |
| from water damage can cause sickness and even | | | | comes from the flat above. If you are not sure if a |
| death in some cases. | | | | plan you are considering will cover this type of |
| So, as we have it, many people who live in flats | | | | scenario, simply ask your insurance agent. |
| throughout the United Kingdom have experienced this | | | | If the flat above you has undergone a water tank |
| very scenario - the water tank in the flat above has | | | | leak, one of the first things you will need to do when |
| a major leak and their flat below is flooded. Almost | | | | the water tank from the flat above has leaked into |
| every person living in the flat beneath has had the | | | | your home is to take plenty of pictures of the |
| same question, "What happens if the flat above has | | | | damages caused to your belongings and the flat |
| a water tank leak, can I claim?" The answer to that | | | | itself. A still camera is great, but a video camera is |
| question is going to be a great big happy "yes" in | | | | even better. You will want to make a written |
| most cases, as long as you have the proper home | | | | summary of what each image portrays as well. |
| insurance coverage. | | | | If your flat has been damaged by water from the |
| Although water damage is usually part of any basic | | | | flat above, it is best to file the water damage claim |
| home insurance coverage policy, it is important to | | | | right away. This means informing your insurance |
| remember that domestic water damage is not | | | | company immediately about the damages you are |
| included or covered by all policies. Be sure to read | | | | going to claim. Once you make contact with your |
| through your coverage carefully, and if you are | | | | insurance agent regarding the water damage, he or |
| shopping for new home insurance make sure | | | | she will walk you through the procedure necessary |
| domestic water damage is covered. Just remember, | | | | to file your claim. During such a time, always have |
| even when you are covered for water damage, all | | | | your insurance agent's phone numbers handy and |
| types of damage caused by water are not covered. | | | | keep a record of all calls, emails, and conversations. |
| With any home insurance policy, any water damage | | | | |