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, less the £250.00 policy excess, the lower of the two contractor quotes Northwind Ltd’s quote.

2. Cause of loss

The silicone seal between the tray and the tiled upstand had perished split and perished along its rear edge. Moisture readings were above 40% in the plasterboard beneath the tray and fell to normal levels 1.5 m from the source.

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.
• Hallway: skirting board swollen for 0.8 m beside the kitchen door.
• Contents: one oak dining chair water-marked; no other contents affected.