Harbourline MutualProperty claims · Confidential
Property damage assessment
Escape of water at 14 Corn Exchange, Westbury — claim CS-2041
- Claim
- CS-2041
- Policy
- HM-HOME-448120
- Policyholder
- Eleanor Marsh
- Date of loss
- 11 August 2026
- Assessor
- Jane Doe, ACII
- Site visit
- 14 August 2026
1. Summary
Water ingress was reported on 11 August. The site visit confirmed staining to the kitchen ceiling, consistent with a failed seal around the shower tray in the bathroom directly above. The damage is sudden and accidental and falls within section 2 of the policy. We recommend settlement at £4,250.00, the lower of the two contractor quotes.
2. Cause of loss
The silicone seal between the tray and the tiled upstand had perished along its rear edge. Moisture readings were above 40% in the plasterbaord beneath the tray and fell to normal levels 1.5 m from the source. We found no evidence of an earlier repair or of long-term neglect, and the policyholder reported the leak on the day it appeared.
3. Findings
- Kitchen ceiling: 4.2 m² of plasterboard saturated; two downlights failed on test.
- Bathroom: shower-tray seal perished; tray and waste are sound.
- Contents: one oak dining chair water-marked; no other contents affected.
4. Repair costs
| Item | Northwind Ltd | Acme Builders |
|---|---|---|
| Strip and replace ceiling | £1,980.00 | £2,240.00 |
| Electrical (two downlights) | £410.00 | £395.00 |
| Reseal shower tray | £180.00 | £220.00 |
| Redecoration | £1,680.00 | £1,890.00 |
| Total (incl. VAT) | £4,250.00 | £4,745.00 |
CS-2041 · Assessment reportPage 1 of 4
Added the moisture readings in §2. @Mark Rivera does that cover it?