It can, particularly where the policy includes accidental damage to underground services. Age, wear and responsibility for the pipe can still affect whether a claim is accepted.

What can cause a drain to collapse?

• Old or weakened pipework.
• Ground movement.
• Tree-root damage.
• Poor original installation.
• Heavy loads over a shallow drain.

Clues that the drain may be damaged

• Repeated blockages in the same place.
• Ground sinking above the drain line.
• Persistent foul smells.
• A CCTV survey showing broken or displaced pipework.

Find out which underground pipes are insured

Find out how the policy treats underground services and whether gradual deterioration is excluded. Also check whether the damaged drain is actually yours to repair.