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#Post#: 84911--------------------------------------------------
Claiming off home insurance for plumber's mistake
By: Gedd Date: August 9, 2025, 11:16 am
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Hello Everyone,
I had a plumber fit a new heating system last year and now one
of the joints he fitted has failed and caused a lot of damage.
Although he has admitted using the incorrect type of fittings
(against manufacturer’s instructions) he is denying
responsibility – because he’s always done it that way. I have
proof he used the wrong fittings and of him admitting it.
He wants me to claim off my house insurance, and they can
contact his insurance company if hey want.
If I claim off my own house insurance, it will count against me
and I will lose my no claims discount. Which means I will still
be worse off.
Do I have any options other than small claims court?
#Post#: 85028--------------------------------------------------
Re: Claiming off home insurance for plumber's mistake
By: The Slithy Tove Date: August 10, 2025, 1:46 pm
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If you try to make a claim, they may not even cover it
considering how the damage occurred - depends on the exact
policy details.
You shouldn't be doing the heating engineer any favours. If it's
his fault, then he should pay. Whether he claims of his own
insurance is his business and not yours. If he gets difficult
and you have legal cover on your home insurance (often a
separate item), you may want to explore whether they'll take up
the case which may involve taking him to court. Otherwise just
start with tying to claim the repair costs straight off him, and
escalate from there, if necessary through the small claims
court.
#Post#: 85030--------------------------------------------------
Re: Claiming off home insurance for plumber's mistake
By: mickR Date: August 10, 2025, 1:54 pm
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as above send your claim for damages to him and let him sort it
with his insurance company.
#Post#: 85038--------------------------------------------------
Re: Claiming off home insurance for plumber's mistake
By: Gedd Date: August 10, 2025, 3:03 pm
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Called my insurance yesterday, and they put me through to some
legal cover I’ve got. Will see where that gets me!!
Thanks
#Post#: 90806--------------------------------------------------
Re: Claiming off home insurance for plumber's mistake
By: Mayhem007 Date: September 21, 2025, 5:17 am
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Does the plumber have any accredited qualifications ?
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