Your Leak May Be Covered by Insurance
Most home buildings insurance policies include trace and access cover. We produce the documentation your insurer requires — within 24 hours of the investigation.
Your Insurer Pays for Finding the Leak
Most people know their home insurance covers water damage. What fewer people know is that the majority of standard home buildings policies also include trace and access cover — meaning your insurer pays for the cost of finding the leak, not just repairing the damage it caused.
Trace and access is a specific clause that covers the specialist investigation work required to locate a hidden water leak: lifting floors, opening walls, and the professional detection work itself. The "trace" is the investigation. The "access" is getting to the pipe. Both are covered under most standard buildings policies.
Check your policy schedule before booking. Look for "trace and access," "escape of water," or "accidental damage" clauses. If you can't find it, call your insurer — they can confirm in a few minutes whether you're covered.
How to Make a Successful Claim
Check Your Policy
Before booking an investigation, check your buildings insurance policy schedule for trace and access cover. Call your insurer to confirm and get a claim reference number. They may ask you to use a specific approved specialist — call us first and we can confirm whether we're on your panel.
Book the Investigation
Call us or book online. We'll ask about the symptoms and confirm the investigation scope. For emergencies — active water ingress or significant ceiling damage — we can typically be on-site within two to four hours. For planned investigations we're usually available within 24 to 48 hours.
We Locate the Leak
Our engineer uses non-invasive thermal imaging, tracer gas, and acoustic detection to locate the source precisely. Most leaks are found without making a single access point. If we cannot find it, you pay nothing under our NoFindNoFee guarantee.
Receive Your Report
Within 24 to 48 hours you receive a full written report with photographs, methodology, and findings — formatted to meet insurer requirements. Submit this to your insurer with your claim. Most trace and access claims are processed within five to ten working days of report submission.
We Work with All Major Insurers
Our reports are formatted to meet the evidence requirements of all major UK home insurance providers.
Insurance FAQs
Does my home insurance cover leak detection?
Most standard home buildings insurance policies include trace and access cover as a standard clause. This covers the cost of locating a hidden water leak, not just repairing it. Check your policy schedule for "trace and access," "leak detection," or "water damage" clauses. If you can't find it, call your insurer before booking — they can confirm in minutes. Even policies that don't explicitly name trace and access often include it under "accidental damage" or "escape of water" cover.
How do I start an insurance claim for a water leak?
Contact your insurer before the investigation to confirm your cover and get a claim reference number. Most insurers ask you to book an approved specialist, carry out the investigation, and submit a written report. We provide a report in insurer-accepted format — with photographs, methodology, and findings — within 24 to 48 hours of completing the investigation. This is what your insurer requires to process the claim. We do not deal directly with your insurer on your behalf, but our report is designed to make the process straightforward for you.
What is trace and access cover?
"Trace" refers to locating the source of the leak — the investigation. "Access" refers to the physical work required to reach it — lifting a tile, opening a small section of floor. Trace and access cover pays for both of these elements, separately from the cost of repairing the pipe itself. Some policies include the repair cost; others cover only the investigation and access. Check your schedule. Our written report covers both the trace and the access in sufficient detail to support a claim under either policy type.
What if my insurer says they need an approved specialist?
Some insurers maintain panels of approved contractors. We work with the majority of major insurer panels, and our reports are accepted universally by the UK's main providers. If your insurer asks for a specific panel company, call us first — we can often confirm directly whether we're approved for your policy. Where we are not on the panel, our report can still be submitted as independent evidence alongside any panel company's attendance.
My claim was rejected — can your report help?
Yes. Our reports provide precise documentation of the investigation method, the findings, and the evidence of water damage. If a claim has been rejected due to insufficient evidence of the leak source or its cause, a comprehensive detection report can be submitted as supporting evidence to request a reassessment. We cannot advise on insurance law or negotiate with your insurer on your behalf, but customers have successfully used our reports to challenge initial rejections from major providers.
How much does a trace and access investigation cost?
Our investigation fee depends on the type of leak suspected, the property type, and the detection methods required. We provide a fixed price before starting — no open-ended hourly billing. If your claim is approved and your policy covers trace and access, the investigation fee is typically reimbursed in full by your insurer. Call us on 0203 886 2316 for a quote specific to your situation.
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