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Default Insurance Claim - Best Way to Proceed

Hi all

Not strictly DIY granted but there is an element (bit long) .....

Noticed recently that the carpet had lifted in the corner of a room.
On lifting carpet found that damp had "blown" a filled area of the concrete
floor around a gas pipe and that there was water evident on the underside of
the underlay.
Insurance appointed contractor came in to expose CH and hot/cold water pipes
in the area but no leak has been found.
A second contractor is to visit shortly with leak detection equipment (how
does that work then?).

My question really is how best to proceed with disclosure of information.
When we moved in to the place 6 years ago there was a significant leak in
the affected area. This we repaired (that's the DIY bit by the way), but it
may be that this leak had completely flooded the sub-base of the house with
water being retained inside the dpm.
There has been evidence of further damp around the ground floor.

The key question is: If I volunteer the information about the leak,
can/will the insurance company withdraw all support/services on the grounds
that the damage was done before their policy was put in place?
Equally I could "suggest" that the damp may be due to ingress during 2007
flooding, but I don't really want that label on the property from a
future-sales point of view.
I will obviously not mention previous leaks until after the investigation,
as there may be another source of which I am currently unaware.

If the sub-base of the house is still saturated, how is this water removed
from below the concrete slab?

Any pointers or past experience appreciated

P


 
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