Loss or damage resulting from escape of water.
■ Sudden and unexpected water leaking from or freezing in any washing machine, dishwasher,
fridge, freezer or fixed domestic water, drainage or heating installation.
■ We will also pay up to the limit for any one claim for necessary and reasonable costs that you
incur in tracing and accessing the source of the damage to the home. This includes reinstating
any wall, floor, ceiling, drive, fence or path removed or damaged during the search.
Then in a 'note' on Page 17 Buildings Insurance - Optional Extra
You are not covered for accidental damage to buildings unless you add this section.
Your schedule will show if you have purchased this option.
Indeed there is a series of other optional extras on the following pages.
Is it a robust contention to state you read the earlier parts of the policy document and assumed you are covered and when you came to a heading optional extras you did nor read as you felt you had the necessary coverage? Surely any such rejoinder should be placed immediately on the first reference to coverage regarding escape of water?
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