Are Blocked Drains Covered by Insurance?
Insurance coverage depends on policy wording, cause of the problem, and whether you have evidence.
Wondering about your case? Ask DrainageGPT with your symptoms and I'll suggest what evidence may help.
Typical coverage
- Sudden collapse or accidental damage often covered
- Blockages from wear/tear, fat, wipes: usually excluded
- Shared drains: may be covered under buildings insurance
- Escape of water: depends on policy and cause
Evidence that helps
- CCTV survey showing defect type and location
- Photos of flooding or affected areas
- Professional report with defect coding
- Service/maintenance records (proves good upkeep)
Common exclusions
- Poor maintenance or gradual build-up
- External drains beyond your property boundary
- Damage due to tenant misuse
- Pre-existing defects known at purchase
Next steps
- Review your policy wording (sections on drains/escape of water)
- Get a professional survey before making a claim
- Document everything: dates, photos, contractor reports
- Contact your insurer early—delays can complicate claims
Related:
Drainage