Can Insurance Pay For Leak Detection?
Most home insurance policies cover the cost of finding a leak — even when they don't cover fixing it. Here's how Trace & Access works.
'Trace & Access' is the section of most UK home insurance policies that pays for the investigation needed to find the source of a leak.
It typically covers the cost of locating the leak and any incidental damage caused by that investigation (for example lifting floorboards).
The leak repair itself may or may not be covered, depending on the cause. But the finding is almost always covered.
Cover limits usually range from £2,500 to £10,000. Well within what a full leak-detection survey and reinstatement costs.
We write reports specifically for UK insurers, including thermal images, moisture readings and a clear cause-and-effect narrative.