Escape of Water Insurance Claim Support That Maximises Your Settlement
When water escapes unexpectedly, whether from a burst pipe, faulty appliance, or leak from central heating pipes, it’s essential to act fast to minimise damage. All Property Claims (APC) is here to help you through the entire escape of water claims process, offering expert support and ensuring your property is quickly restored. From filing the claim to overseeing repairs, we provide a smooth, hassle-free experience so you can focus on getting back to normal.
What Is an Escape of Water Claim and What Does It Cover?
An escape of water claim is designed to cover damage caused by water that escapes from internal sources within your property. This type of claim typically involves water leaking or flooding from plumbing systems or household appliances, which can occur suddenly and cause significant damage if left unaddressed.
Escape of water damage can happen in several ways, such as:
Burst Or Damaged Pipes
Often due to frozen pipes, leading to water flooding various areas.
Leaking Appliances
Common household appliances like dishwashers, washing machines, and fridges can develop leaks, gradually damaging the surrounding areas.
Overflowing Sinks, Toilets, Or Bathtubs
Blockages or plumbing issues can cause water to overflow, resulting in unexpected flooding inside your home.
Plumbing Leaks
Leaks from supply or central heating pipes can cause internal water damage that worsens over time. However, leaks resulting from faulty plumbing or gradual wear and tear are not covered.
How Escape of Water Can Impact Your Property
Escape of water can lead to significant, long-term damage if not addressed promptly. When left untreated, escape of water damage can affect various aspects of your property, including:
Structural Damage
Water can weaken the foundation, walls, and ceilings, compromising the integrity of the building.
Mould And Mildew Growth
Damp conditions from water ingress can lead to the development of harmful mould and mildew, which can affect your health.
Electrical Damage
Water exposure can damage electrical wiring and appliances, creating potential fire hazards.
Taking swift action on escape of water claims is essential to prevent these issues from escalating and causing lasting harm to your property and safety.
Leak Detection and Trace & Access Cover
Hidden leaks can often go undetected by standard plumbing methods, making it difficult to find the source of the damage. Leak detection services are vital for identifying water escapes that aren’t visible, particularly in areas that are inaccessible to traditional plumbers. At APC, we work closely with our Leak Tracers Direct division to locate these hidden leaks, ensuring accurate detection and timely repairs.
Trace and access cover allows us to recover the costs of locating and accessing hidden leaks, even if they’re behind walls, under floors, or in other difficult-to-reach places. By using state-of-the-art equipment and expert leak detection specialists, we can identify and repair leaks before they cause severe damage to your property.
Why Structural Drying Matters
After water damage, simply removing the visible water isn’t enough, hidden moisture trapped in walls, floors or ceilings can continue causing damage long after the leak is fixed. That’s why professional structural drying is often essential. Specialist drying contractors use industrial‑grade dehumidifiers, fans and heaters to extract moisture from building materials and create safe humidity levels. This process helps prevent mould growth, damp odours, and long‑term structural problems.
APC works with accredited drying engineers to manage structural drying as part of your claim, restoring your property thoroughly and safeguarding its fabric before final repairs.
How We Can Help with Escape of Water Insurance Claims
At APC, we take the stress out of your escape of water claim by managing the entire claims handling process from start to finish. Once you contact us, our team quickly assesses the damage, identifies the water source (including any hidden leaks using leak detection services if necessary), and documents everything to support your claim. We then share the report with your insurer, outlining the damage and necessary repairs.
We manage all communication with your insurer, ensuring efficient claim submission and negotiation for a fair settlement. Once approved, we coordinate repairs with trusted contractors, restoring your property to its pre-damage condition. If additional costs arise, we liaise with your insurer to ensure they are covered, providing you with peace of mind throughout the process.
Customer Testimonials
Lara – October 2025
★★★★★
All Property Claims is unlike any other company I’ve used before. Their support is second to none, especially when dealing with insurance issues. I’ve never regretted using them; they’ve been absolutely invaluable. Their tradespeople are professional, efficient, and complete work…
Eloise – September 2025
★★★★★
I can’t thank All Property Claims enough for their outstanding service. After experiencing a devastating flood, they guided me seamlessly from the chaos to resolution. Their expertise, dedication, and support made all the difference in restoring normalcy. Highly recommend!
Matteo B – April 2025
★★★★★
Allpropertyclaims was instrumental in ensuring the damage from a leak was properly assessed, investigated and repaired. They were really supportive throughout the lengthy process of dealing with the insurance, and took the lead in dealing with a particularly challenging…
Our Team
Our team consists of skilled claim specialists who take pride in supporting clients through every stage of an escape of water damage claim. From the first inspection to the final repair, we ensure that each client receives expert attention and care throughout the claims process.
Abhijeet Singh
Claims Manager
Matthew Farthing
Claims Manager
Sheriece Connally
Contracts Manager
Escape of Water Damage Case Studies
Leak from Flat
Incident:
In a block of flats, the owner of a damaged flat noticed water damage in her bathroom walls and ceiling. She contacted her neighbour above, but despite no obvious signs of a leak in their bathroom, the neighbour refused to take further action.
Client Concerns:
The flat owner’s attempts to resolve the issue with her neighbour were unsuccessful, and the damage in her flat continued to worsen. The block management agency refused to intervene, citing it as a dispute between neighbours. The insurance company also refused to take action until the source of the leak was identified. Feeling frustrated, the client reached out to APC for help.
How We Handled the Claim:
We quickly connected our client with a leak detection specialist. We explained that if she paid for the leak detection service, we could recover the cost under her policy’s trace and access cover. The specialist discovered the leak under the bathtub of the flat above, hidden behind a tiled bath panel. To access it, the tiles had to be removed, revealing a soaking wet subfloor. As both flats were under the same block insurance policy, we negotiated the claim for both properties. We also began the drying process while waiting for approval.
Once repairs were approved, our builders promptly carried out the necessary tiling and decoration works. The client was reimbursed in full for the leak detection survey. Restoring her flat was part of our service, but restoring peace between the neighbours was an added bonus!
Once repairs were approved, our builders promptly carried out the necessary tiling and decoration works. The client was reimbursed in full for the leak detection survey. Restoring her flat was part of our service, but restoring peace between the neighbours was an added bonus!
Leak located in flat above:
Damage to flat below:
Work In Progress on both flats:
After – flat above:
After – flat below:
Leak from Soil Stack
Incident Summary
A fire broke out in a computer repair and retail shop after a device battery ignited, causing extensive damage to the office and retail area. Smoke contamination spread throughout the premises, including the staff kitchenette and toilets. The business was insured via a broker, who referred the shop owner to APC for expert support with his fire damage insurance claim.
Client Concerns
The owner needed his business operational again as quickly as possible. In addition to structural repairs, there was significant damage to valuable stock and equipment that required a fire damage claim for contents. Before contacting APC, the shop owner approached his insurer directly, who attempted to void the policy entirely on the grounds that e-bikes were stored on site, which had no relevancy to the fire.
How APC Managed the Claim
APC immediately filed a complaint on behalf of the client, challenging the insurer’s attempt to reject the claim. After reviewing the policy wording, it was clear there was no breach that justified repudiation, and the fire had originated from a computer, not an e-bike. We escalated the dispute until the insurer agreed to provide full cover.
Once approved, APC coordinated all reinstatement works, including rebuilding internal stud walls, replacing insulation and plasterboard, restoring the air-conditioning system and completing full redecoration. We also secured compensation for all fire-damaged contents, so the business owner did not suffer financial loss and could reopen with confidence.
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Work In Progress:
After:
Leak in Family Home
Incident Summary
A fire broke out in a computer repair and retail shop after a device battery ignited, causing extensive damage to the office and retail area. Smoke contamination spread throughout the premises, including the staff kitchenette and toilets. The business was insured via a broker, who referred the shop owner to APC for expert support with his fire damage insurance claim.
Client Concerns
The owner needed his business operational again as quickly as possible. In addition to structural repairs, there was significant damage to valuable stock and equipment that required a fire damage claim for contents. Before contacting APC, the shop owner approached his insurer directly, who attempted to void the policy entirely on the grounds that e-bikes were stored on site, which had no relevancy to the fire.
How APC Managed the Claim
APC immediately filed a complaint on behalf of the client, challenging the insurer’s attempt to reject the claim. After reviewing the policy wording, it was clear there was no breach that justified repudiation, and the fire had originated from a computer, not an e-bike. We escalated the dispute until the insurer agreed to provide full cover.
Once approved, APC coordinated all reinstatement works, including rebuilding internal stud walls, replacing insulation and plasterboard, restoring the air-conditioning system and completing full redecoration. We also secured compensation for all fire-damaged contents, so the business owner did not suffer financial loss and could reopen with confidence.
Before:
Work In Progress:
After:
Leak from Flat
Leak from Soil Stack
Leak in Family Home
Case Study: Leak from Flat Above Caused Damage to Flat Below
Incident:
In a block of flats, the owner of a damaged flat noticed water damage in her bathroom walls and ceiling. She contacted her neighbour above, but despite no obvious signs of a leak in their bathroom, the neighbour refused to take further action.
Client Concerns:
The flat owner’s attempts to resolve the issue with her neighbour were unsuccessful, and the damage in her flat continued to worsen. The block management agency refused to intervene, citing it as a dispute between neighbours. The insurance company also refused to take action until the source of the leak was identified. Feeling frustrated, the client reached out to APC for help.
How We Handled the Claim:
We quickly connected our client with a leak detection specialist. We explained that if she paid for the leak detection service, we could recover the cost under her policy’s trace and access cover. The specialist discovered the leak under the bathtub of the flat above, hidden behind a tiled bath panel. To access it, the tiles had to be removed, revealing a soaking wet subfloor. As both flats were under the same block insurance policy, we negotiated the claim for both properties. We also began the drying process while waiting for approval.
Once repairs were approved, our builders promptly carried out the necessary tiling and decoration works. The client was reimbursed in full for the leak detection survey. Restoring her flat was part of our service, but restoring peace between the neighbours was an added bonus!
Once repairs were approved, our builders promptly carried out the necessary tiling and decoration works. The client was reimbursed in full for the leak detection survey. Restoring her flat was part of our service, but restoring peace between the neighbours was an added bonus!
Leak located in flat above :
Damage to flat below:
Work In Progress on both flats:
After – flat above:
After – flat below:
Case Study: Leak from Communal Soil Stack
Incident:
Our client returned home one day to find water dripping down from his ceilings and walls. The upstairs neighbour was cooperative and immediately arranged for a plumber, who traced the leak to a communal soil stack running through the void between the flats.
Client Concerns:
The property management company was contacted to fix the leak, but after several weeks of unsuccessful attempts, the issue was still unresolved. What started as minor damage in the client’s bedroom escalated to significant mould growth, posing health risks. Due to the condition of the property, our client had to move into a hotel, but his insurer not only refused to cover the accommodation costs but also offered a minimal £2,000 cash settlement, hoping to close the case without further engagement. Feeling unjustly treated, our client turned to APC for assistance.
How We Handled the Claim:
We immediately filed a complaint with the insurer, highlighting that their low cash settlement offer was unfair and inconsistent with the severity of the damage. We also pointed out that the loss adjuster handling the case had a history of similar complaints. The insurer agreed to change the loss adjuster, and we worked with the new adjuster to demonstrate that the water damage and mould had permeated the building fabric.
We argued that the necessary repairs weren’t superficial and that all affected areas, including ceilings, walls, floors, and insulation, required full replacement. After extensive negotiation, we secured approval for the repairs and reimbursement for the accommodation costs. Our builders completed all the approved work, and the client was able to return to a fully restored property.
Before:
Work In Progress:
After:
Case Study: Leak in Family Home from Toilet
Incident
A high-end apartment in Kensington suffered significant water damage when a connector pipe in the toilet failed overnight. Water spread across the ceiling and onto the hardwood flooring in the open-plan living area, damaging built-in cabinetry, skirting boards, and causing damp staining on adjoining walls.
Client Concerns
The homeowner was concerned that simply drying the surface-level damage would leave moisture trapped behind walls and flooring, leading to potential mould growth and timber warping. The insurer initially proposed minimal repairs, including drying and repainting, but the homeowner felt this wouldn’t adequately restore the property.
How We Handled the Claim
We promptly visited the property to assess the damage and recommended a full strip-out of the affected ceiling plasterboard and flooring to allow for proper structural drying. We installed professional drying equipment to prevent further deterioration and worked closely with the insurer to agree on a comprehensive scope of repairs. After persistent negotiation, the insurer accepted our recommendation to remove the damaged finishes, carry out full structural drying, and reinstate the flooring and joinery to their pre-loss condition.
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Work In Progress:
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We’ll Handle Your Claim and Your Repair
If your property has been affected by the escape of water, don’t wait, acting quickly is critical to prevent further damage. All Property Claims is here to manage every step of your claim, from the initial assessment to the final repairs.
Contact us today to begin your escape of water claim or to get expert advice on your situation.