Confidence
High
Summary
The water damage to the load‑bearing wall is caused by rising damp that entered the home through the walls and floor. The policy explicitly excludes coverage for rising damp and penetrating moisture, and therefore the claim is not covered.
Coverage Analysis
The claim describes moisture seeping from a neighboring building’s leak into the walls of the insured property, resulting in rising damp. According to the policy’s insured events table, damage caused by “rising damp that has entered your home through walls or floors” is listed under the non‑insured items. Additionally, the exclusions section states that damage related to groundwater, ground movement, and moisture problems due to insufficient ventilation is not covered. Because the damage falls squarely within these exclusions, the insurer is not liable for the repair costs.
Applicable Clauses
- Quote: “Not insured: damage due to: … rising damp that has entered your home through walls or floors. … penetrating damp that has entered through chimneys, walls, joints or caulk lines.”
Source: PWR-0125 Woonhuisverzekering Royaal_translated_eng 1.pdf Page: 5 Relevance: Directly excludes the type of moisture damage reported in the claim.
- Quote: “The insurance offers no coverage if the damage is caused by or related to: … Ground subsidence, ground movement, vibrations, groundwater or water extraction. … Moisture problems due to excess condensation or insufficient ventilation.”
Source: PWR-0125 Woonhuisverzekering Royaal_translated_eng 1.pdf Page: 12 Relevance: Reinforces that moisture‑related damage not caused by a covered peril is excluded.
Key Reasons
- Damage is classified as “rising damp” entering through walls/floor.
- The policy’s insured events list expressly excludes rising damp.
- General exclusions also bar compensation for moisture problems not caused by a covered peril.
Recommendation
Decline the claim as the damage is excluded under the policy.
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