{"id":4174,"date":"2012-11-18T08:21:14","date_gmt":"2012-11-18T07:21:14","guid":{"rendered":"https:\/\/www.emberjd.com\/?p=4174"},"modified":"2020-07-27T13:50:17","modified_gmt":"2020-07-27T12:50:17","slug":"home-insurance-trace-and-access","status":"publish","type":"post","link":"https:\/\/www.emberjd.com\/emberjd-blog\/home-insurance-trace-and-access\/","title":{"rendered":"Home insurance trace and access"},"content":{"rendered":"<p><img decoding=\"async\" class=\"alignright size-full wp-image-1166 lazyload\" title=\"home-buildings-insurance-trace-and-access\" data-src=\"https:\/\/www.emberjd.com\/wp-content\/uploads\/2012\/02\/plumbing.JPG\" alt=\"home insurance trace and access cover under buildings section\" width=\"280\" height=\"170\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 280px; --smush-placeholder-aspect-ratio: 280\/170;\" \/><noscript><img decoding=\"async\" class=\"alignright size-full wp-image-1166\" title=\"home-buildings-insurance-trace-and-access\" src=\"https:\/\/www.emberjd.com\/wp-content\/uploads\/2012\/02\/plumbing.JPG\" alt=\"home insurance trace and access cover under buildings section\" width=\"280\" height=\"170\" \/><\/noscript>The majority of home insurance policies now include trace and access cover under the buildings section, in the event of leakage of water from fixed internal water or heating installations or domestic appliances. Water leakage accounts for more claims than any other peril, as by its very nature escape of water isn&#8217;t a problem until a leak occurs and by then it&#8217;s too late to prevent damage to the walls, ceilings and flooring. Often the leak can be fixed easily and after the water has dried out the effects are greatly reduced. Sometimes the damage caused can be substantial if the leak goes undetected or if the source of the escape of water cannot be found easily. Insurers won&#8217;t pay for fixing the leak as the plumbing is a maintenance issue, but the damage caused and tracing and accessing the leak could be insured. A plumber or a builder might have to remove wall tiles in a bathroom or ceilings to reach pipework, which results in further damage and expense. The cover is two fold, firstly the cost of tracing the source of the leak, then repairing the damage caused, all subject to a limit of usually \u00a35,000. Home insurance covering <a href=\"https:\/\/www.emberjd.com\/unoccupied-house-insurance\/\" title=\"unoccupied buildings insurance\" target=\"_blank\" rel=\"noopener noreferrer\">buildings<\/a> and contents generally include the damage caused by the escape of water, but now the trace and access extension gives the householder extra financial assistance when a leak occurs.<br \/>\n<span style=\"font-size: x-large;\"><span style=\"color: #FF0000;\"><em>Q<\/em>.<\/span><\/span> Are plumbing repairs covered under a home buildings insurance?<br \/>\n<span style=\"font-size: x-large;\"><span style=\"color: #009900;\"><em>A<\/em>.<\/span><\/span> No this is a maintenance issue not insured damage.<br \/>\n<span style=\"font-size: x-large;\"><span style=\"color: #FF0000;\"><em>Q<\/em>.<\/span><\/span> How about the damage caused?<br \/>\n<span style=\"font-size: x-large;\"><span style=\"color: #009900;\"><em>A<\/em>.<\/span><\/span> Yes subject to having cover in force.<br \/>\n<span style=\"font-size: x-large;\"><span style=\"color: #FF0000;\"><em>Q<\/em>.<\/span><\/span> How about the cost of finding the source of the leak and the damage caused?<br \/>\n<span style=\"font-size: x-large;\"><span style=\"color: #009900;\"><em>A<\/em>.<\/span><\/span> Yes if the trace and access extension is included under your buildings insurance.<\/p>\n<p>As always to find out the extend of your cover full details can be found in your schedule and policy wording.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The majority of home insurance policies now include trace and access cover under the buildings section, in the event of leakage of water from fixed internal water or heating installations or domestic appliances. Water leakage accounts for more claims than any other peril, as by its very nature escape of water isn&#8217;t a problem until [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[27],"tags":[40,39,41],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>home insurance trace and access extension under buildings<\/title>\n<meta name=\"description\" content=\"Some home buildings insurance include trace and access cover for tracing and accessing the source of water leaks. Including the cost for searching and damage caused\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.emberjd.com\/emberjd-blog\/home-insurance-trace-and-access\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"home insurance trace and access extension under buildings\" \/>\n<meta property=\"og:description\" content=\"Some home buildings insurance include trace and access cover for tracing and accessing the source of water leaks. Including the cost for searching and damage caused\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.emberjd.com\/emberjd-blog\/home-insurance-trace-and-access\/\" \/>\n<meta property=\"og:site_name\" content=\"EmberJD\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/en-gb.facebook.com\/emberjd\/\" \/>\n<meta property=\"article:published_time\" content=\"2012-11-18T07:21:14+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-07-27T12:50:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.emberjd.com\/wp-content\/uploads\/2012\/02\/plumbing.JPG\" \/>\n<meta name=\"author\" content=\"SDH\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"SDH\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.emberjd.com\/emberjd-blog\/home-insurance-trace-and-access\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.emberjd.com\/emberjd-blog\/home-insurance-trace-and-access\/\"},\"author\":{\"name\":\"SDH\",\"@id\":\"https:\/\/www.emberjd.com\/#\/schema\/person\/0e82570b3d0e8912a3424ba5ed40e0d2\"},\"headline\":\"Home insurance trace and access\",\"datePublished\":\"2012-11-18T07:21:14+00:00\",\"dateModified\":\"2020-07-27T12:50:17+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.emberjd.com\/emberjd-blog\/home-insurance-trace-and-access\/\"},\"wordCount\":320,\"publisher\":{\"@id\":\"https:\/\/www.emberjd.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.emberjd.com\/emberjd-blog\/home-insurance-trace-and-access\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.emberjd.com\/wp-content\/uploads\/2012\/02\/plumbing.JPG\",\"keywords\":[\"home buildings insurance trace and access\",\"home insurance trace and access cover\",\"trace and access\"],\"articleSection\":[\"EmberJD Blog\"],\"inLanguage\":\"en-GB\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.emberjd.com\/emberjd-blog\/home-insurance-trace-and-access\/\",\"url\":\"https:\/\/www.emberjd.com\/emberjd-blog\/home-insurance-trace-and-access\/\",\"name\":\"home insurance trace and access extension under buildings\",\"isPartOf\":{\"@id\":\"https:\/\/www.emberjd.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.emberjd.com\/emberjd-blog\/home-insurance-trace-and-access\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.emberjd.com\/emberjd-blog\/home-insurance-trace-and-access\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.emberjd.com\/wp-content\/uploads\/2012\/02\/plumbing.JPG\",\"datePublished\":\"2012-11-18T07:21:14+00:00\",\"dateModified\":\"2020-07-27T12:50:17+00:00\",\"description\":\"Some home buildings insurance include trace and access cover for tracing and accessing the source of water leaks. 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