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UK diy (uk.d-i-y) For the discussion of all topics related to diy (do-it-yourself) in the UK. All levels of experience and proficency are welcome to join in to ask questions or offer solutions. |
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#1
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Soil pipe cracked, usually covered by insurance?
We have an external soil pipe which goes through the polycarbonate roof
of a conservatory and is boxed in below that down to ground level. The soil pipe has cracked and a chunk broken away above the level of the polycarbonate roof. The soil pipe is made from some kind of asbestos. When the upstairs bog is flushed, a trickle of water runs down the roof and into the guttering. None of this seemed to be causing a major problem however I now think this water is also coming down the outside of the soil pipe and down inside the boxed in section. Will an insurer cover fixing something like this? It does not seem to be storm damage just the general age and wear on the pipe (50 years old). If the work is to be done I would like to combine the soil pipe with a second bath waste pipe which runs to a separate drain, to enable the drains to be combined and the bath waste drain to be got rid of. Would the insurers be willing to pay for just "their" bit but allow this extra work to be done as part of the same job? |
#2
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caledonianstill wrote in
We have an external soil pipe which goes through the polycarbonate roof of a conservatory and is boxed in below that down to ground level. snip Will an insurer cover fixing something like this? It does not seem to be storm damage just the general age and wear on the pipe (50 years old). Wear and tear is not usually covered - we had drains collapse and received the same information from our insurers. Fortunately, someone remembered that a lorry had been driven onto the drive and that must have caused the problem. Perhaps, now you think about it, you too remember a similar incident -- PeterMcC If you feel that any of the above is incorrect, inappropriate or offensive in any way, please ignore it and accept my apologies. |
#3
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"Wear and tear is not usually covered - we had drains collapse and received
the same information from our insurers. Fortunately, someone remembered that a lorry had been driven onto the drive and that must have caused the problem. Perhaps, now you think about it, you too remember a similar incident " You are (nudge nudge, wink wink) advocating fraud lying and theft aren't you? And I am sure that you see yourself as a respectable citizen. Have a think. What you suggest means that the rest of us will have to pay for a fraudulent claim. Did your Mummy ever explain the words Right and Wrong? |
#4
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Bystander wrote in
"Wear and tear is not usually covered - we had drains collapse and received the same information from our insurers. Fortunately, someone remembered that a lorry had been driven onto the drive and that must have caused the problem. Perhaps, now you think about it, you too remember a similar incident " You are (nudge nudge, wink wink) advocating fraud lying and theft aren't you? And I am sure that you see yourself as a respectable citizen. The former assertion is flawed - the latter is _certainly_ not the case and I would contest it vigorously. Have a think. What you suggest means that the rest of us will have to pay for a fraudulent claim. Have a think - you may find that you are extrapolating too much from a wink Did your Mummy ever explain the words Right and Wrong? Not only that, but the concepts behind them as well. That explanation, by implication at least, included guidance about the civilities of not making personal comments without considerably more information than seems to have been available here. And, for much the same reason, I shall assume that no offence was intended to the memory of my recently departed mother. -- PeterMcC If you feel that any of the above is incorrect, inappropriate or offensive in any way, please ignore it and accept my apologies. |
#5
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"PeterMcC" wrote
| caledonianstill | We have an external soil pipe which goes through the polycarbonate | roof of a conservatory ... | Fortunately, someone remembered that a lorry had been driven onto | the drive and that must have caused the problem. Perhaps, now you | think about it, you too remember a similar incident I'd love to be in the insurance office when that one comes through ... lorry on a conservatory roof. Owain |
#6
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Owain wrote in
"PeterMcC" wrote caledonianstill We have an external soil pipe which goes through the polycarbonate roof of a conservatory ... Fortunately, someone remembered that a lorry had been driven onto the drive and that must have caused the problem. Perhaps, now you think about it, you too remember a similar incident I'd love to be in the insurance office when that one comes through ... lorry on a conservatory roof. Thank you, Owain - at least someone got the smiley. -- PeterMcC If you feel that any of the above is incorrect, inappropriate or offensive in any way, please ignore it and accept my apologies. |
#7
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caledonianstill wrote:
Will an insurer cover fixing something like this? It does not seem to be storm damage just the general age and wear on the pipe (50 years old). Insurance won't cover this sort of thing, give up trying now. Jon |
#8
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caledonianstill wrote:
We have an external soil pipe which goes through the polycarbonate roof of a conservatory and is boxed in below that down to ground level. The soil pipe has cracked and a chunk broken away above the level of the polycarbonate roof. The soil pipe is made from some kind of asbestos. When the upstairs bog is flushed, a trickle of water runs down the roof and into the guttering. None of this seemed to be causing a major problem however I now think this water is also coming down the outside of the soil pipe and down inside the boxed in section. Will an insurer cover fixing something like this? It does not seem to be storm damage just the general age and wear on the pipe (50 years old). As you say, fair wear and tear - not covered by insurance. Even if your policy had accidental damage cover and it got broken completely - say by falling against it whilst cleaning the conservatory roof, you would have to admit its previous state and the insurance company would pay little or nothing. A loss adjuster would quickly spot that the crack was long-standing and/or would be very suspicious if you had aready disposed of the bits, should your memory get a little vague about its previous condition. You do have to fix it as it is a health hazard. IIRC, it is actually a legal requirement. If it is asbestos, then expect it to cost something silly. If the work is to be done I would like to combine the soil pipe with a second bath waste pipe which runs to a separate drain, to enable the drains to be combined and the bath waste drain to be got rid of. Would the insurers be willing to pay for just "their" bit but allow this extra work to be done as part of the same job? Depends on the insurer - many will simply take your three quotations and give you a cheque. Others will appoint a contractor - with whom you will have to negotiate for any extra work. But your insurer is unlikely to pay anything at all. -- Sue |
#9
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On Tue, 24 Aug 2004 16:10:36 +0100, Palindr?me
wrote: If it is asbestos, then expect it to cost something silly. It will be asbestos cement if it is, which is harmless and does not have onerous disposal requirement - not that will make any difference to the many asbestos scam firms who will indeed try to charge you a fortune. -- Peter Parry. http://www.wpp.ltd.uk/ |
#10
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In message , Peter Parry
writes On Tue, 24 Aug 2004 16:10:36 +0100, Palindr?me wrote: If it is asbestos, then expect it to cost something silly. It will be asbestos cement if it is, which is harmless and does not have onerous disposal requirement - not that will make any difference to the many asbestos scam firms who will indeed try to charge you a fortune. Hmm, have a google for asbestos cement and then decide whether it's "harmless". General consensus seems to be that it contains 10-15% asbestos fibre, and can be pretty nasty stuff. Unfortunately I have 1.5 sheets to remove from a pretty inaccessible (badly made, butts right up to the garden fence) extension to make way for a conservatory, so I've been doing some reading on this. Seems to be that as long as I keep it wet and have a suitably high standard mask and overalls that I'll be fine. Providing of course I don't attack it with an air hammer, power tools are also a no-no. Looks like I'll either be removing it by pushing it from the inside, or spending a looooong time removing the roofing nails they've secured it with :-( -- Mike Buckley RD350LC2 http://www.toastyhamster.freeserve.co.uk BONY#38 |
#11
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On Thu, 26 Aug 2004 13:13:44 +0100, "mike. buckley"
wrote: Hmm, have a google for asbestos cement and then decide whether it's "harmless". General consensus seems to be that it contains 10-15% asbestos fibre, and can be pretty nasty stuff. It is 10-15% Chrysotile - white asbestos - you breath dozens of fibres of it every day. The only recorded harm caused by Chrysotile is amongst those who have worked in atmospheres laden with it for decades. Seems to be that as long as I keep it wet and have a suitably high standard mask and overalls that I'll be fine. Any reasonable mask will do - it doesn't need to be exotic. Use water with some detergent added and if you are really paranoid wait for a nice wet rainy day. an air hammer, power tools are also a no-no. Looks like I'll either be removing it by pushing it from the inside, or spending a looooong time removing the roofing nails they've secured it with :-( If you do the latter you would certainly be exposing yourself to the greatest, and well known, risk of asbestos cement. Old asbestos cement sheets are very fragile and a number of people have been killed falling through them. -- Peter Parry. http://www.wpp.ltd.uk/ |
#12
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In message , Peter Parry
writes It is 10-15% Chrysotile - white asbestos - you breath dozens of fibres of it every day. The only recorded harm caused by Chrysotile is amongst those who have worked in atmospheres laden with it for decades. Slightly contradicts what I've read elsewhere... an air hammer, power tools are also a no-no. Looks like I'll either be removing it by pushing it from the inside, or spending a looooong time removing the roofing nails they've secured it with :-( If you do the latter you would certainly be exposing yourself to the greatest, and well known, risk of asbestos cement. Old asbestos cement sheets are very fragile and a number of people have been killed falling through them. Hmm, well seeing as at worst I'd only be falling through a wall (the sheets are on a sheltered wall that butts up to a garden fence), I'm feeling pretty sure that I'm safe as far as this goes. You're right about them being fragile, I pulled off a piece last night with my hands. -- Mike Buckley RD350LC2 http://www.toastyhamster.freeserve.co.uk BONY#38 |
#13
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"Peter Parry" wrote in message ... On Thu, 26 Aug 2004 13:13:44 +0100, "mike. buckley" wrote: Hmm, have a google for asbestos cement and then decide whether it's "harmless". General consensus seems to be that it contains 10-15% asbestos fibre, and can be pretty nasty stuff. It is 10-15% Chrysotile - white asbestos - you breath dozens of fibres of it every day. The only recorded harm caused by Chrysotile is amongst those who have worked in atmospheres laden with it for decades. Absolutely wrong. Chrysotile causes mesothelioma. I don't know quite where you believe harm is "recorded" but there are numerous claims every year from plumbers, carpenters and decorators who have contracted mesothelioma due to exposure 10 or more years ago to (relatively) small quantities of chrysotile eg when sawing panels or removing asbestos guttering. The epidemic is a growing one. A concise summary of the health hazards of asbestos can be found at http://www.parliament.uk/commons/lib...9/rp99-081.pdf |
#14
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On Tue, 24 Aug 2004 15:44:00 +0100, "caledonianstill"
wrote: Will an insurer cover fixing something like this? It does not seem to be storm damage just the general age and wear on the pipe (50 years old). No, normal ageing is not covered. -- Peter Parry. http://www.wpp.ltd.uk/ |
#15
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"Peter Parry" wrote in message ... On Tue, 24 Aug 2004 15:44:00 +0100, "caledonianstill" wrote: Will an insurer cover fixing something like this? It does not seem to be storm damage just the general age and wear on the pipe (50 years old). No, normal ageing is not covered. Surely damage to other things caused by wear and tear is covered? For example, if sewage from a worn out drain flows onto the carpets they would be covered right? |
#16
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On Tue, 24 Aug 2004 17:05:56 +0100, "dakeb"
wrote: Surely damage to other things caused by wear and tear is covered? For example, if sewage from a worn out drain flows onto the carpets they would be covered right? For a catastrophic event - yes. However you have failed to minimise your loss by repairing the leak as soon as you noticed it. Long term damage caused by neglected maintenance is not covered. -- Peter Parry. http://www.wpp.ltd.uk/ |
#17
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dakeb wrote:
"Peter Parry" wrote in message ... On Tue, 24 Aug 2004 15:44:00 +0100, "caledonianstill" wrote: Will an insurer cover fixing something like this? It does not seem to be storm damage just the general age and wear on the pipe (50 years old). No, normal ageing is not covered. Surely damage to other things caused by wear and tear is covered? For example, if sewage from a worn out drain flows onto the carpets they would be covered right? The damage to the carpet isn't wear and tear. IIRC, most policies have a bit somewhere about maintaining the property - so if the damage is caused as a result of failing to adequately maintain the property, they could refuse to pay out. If the damage was caused over a long period, rather than a one-off incident - then it would be hard to say it was as a result of an accident rather than neglect. OTOH, I have been amazed by how understanding some insurance assessors can be - I had a pipe come apart (solvent weld plastic and the plumber had apparently missed one joint) and yet they agreed to cover the damage. The joint had held together for at least a decade and only fell apart when we had guests that used their shower, rather than their bath. -- Sue |
#18
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Will an insurer cover fixing something like this? It does not seem to be storm damage just the general age and wear on the pipe (50 years old). No, normal ageing is not covered. Surely damage to other things caused by wear and tear is covered? For example, if sewage from a worn out drain flows onto the carpets they would be covered right? Yes, that would be covered, but the insurers would probably try to claim their money back from the owner of the drain as their lack of maintenance caused the spill. |
#19
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Resulting water damage is usually covered. The source of the leak, a
pipe, that is leaking due to wear an tear or faulty workmanship is rarely covered in insurance policies. Mabon SimonJ wrote: Will an insurer cover fixing something like this? It does not seem to be storm damage just the general age and wear on the pipe (50 years old). No, normal ageing is not covered. Surely damage to other things caused by wear and tear is covered? For example, if sewage from a worn out drain flows onto the carpets they would be covered right? Yes, that would be covered, but the insurers would probably try to claim their money back from the owner of the drain as their lack of maintenance caused the spill. |
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