Confidence
High
Summary
The damage is caused by rising damp that entered the walls from a neighboring leak. The policy explicitly excludes coverage for rising damp and penetrating moisture that enters through walls or floors. Because the claim falls under this exclusion, it is not covered.
Coverage Analysis
The claim describes water damage to the load‑bearing wall caused by moisture seeping from a neighboring property’s leak. According to the policy, damage from “rising damp that has entered your home through walls or floors” is listed as not insured. This matches the claimant’s situation, where moisture is penetrating the wall structure. No other insured peril applies, and the exclusion directly addresses the type of damage reported, leading to an uncovered determination.
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 water damage (rising damp) described 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.”
Source: PWR-0125 Woonhuisverzekering Royaal_translated_eng 1.pdf Page: 12 Relevance: Reinforces that moisture-related issues linked to ground conditions are excluded.
Key Reasons
- Damage is classified as rising damp entering through walls.
- Policy explicitly lists rising damp as a non‑insured event.
- No alternative covered peril applies to this situation.
Recommendation
Reject the claim on the basis that the damage is excluded under the policy’s rising damp exclusion.
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