Rot excluded

[potiche]

Bit shocked to be told my insurer more than doesn't cover rot. Is this common?
We had a leak from shower so the floor and joist need to be replaced. This is why we have insurance, a genuine claim. What companies cover rot? Won't use more than again.

[boxtops]

My insurers didn't cover rot in the roof when my roof leaked over a long period of time, but I didn't expect them to - rot's regarded as a maintenance item, I don't think you'll find many companies who will cover for that. It's not accidental damage.

[flip_flop]

Rot is excluded in all property insurance policies.

As boxtops states, rot is a maintenance issue - a gradually operating cause.

If the escape of water caused the rot, then the proximate cause is the escape of water (which is insured) and therefore will be covered.

However, if the rot was already there (which I suspect is the case from the wording of your question) then it is not insured.

[RATTER15]

As above, rot is due to negligence not an accident. I don,t think any insurer will touch it!

[R1Geezer]

yep pretty standard stuff, More than are a shower of sh1te generally but this issue is the same everywhere. What they are effectively saying is that you should have fixed the shower before you ended up with what I presume is paradoxically called dry rot.

[woozer]

If the rot is purely as a result of a leak which was fixed as soon as it was discovered then the insurer should deal with the damage in its entirety, It is generally accepted that where pipes etc are boxed in the damage caused by water will be covered as soon as the damage becomes apparent and this can be after some time when hidden under a shower tray.Fungal rots such as wet or dry rot would not be covered.