Property damage assessment

Escape of water at 14 Corn Exchange, Westbury — claim CS-2041

Claim timeline

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 plasterboard 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.