It may cover the water damage, and some policies also include trace-and-access cover to help pay for finding the leak. That can matter when pipework is behind walls or under floors.
How can a hidden leak show itself?
- An unexplained damp patch can appear on a wall or ceiling.
- Flooring may lift, swell or become discoloured.
- A musty smell can persist even when the room looks dry.
- A water meter may move when no taps or appliances are running.
If you think water is leaking out of sight
- Check visible joints and appliances first.
- Do not keep repainting the same damp patch without finding the source.
- Use a plumber or leak-detection specialist if the leak is not obvious.
Why trace-and-access can matter
It can pay towards the cost of opening floors or walls to locate a leak. The limit is often separate from the main water-damage cover, so check the amount shown in the policy.