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Insurance policies don't always cover plumbing problems, homeowners warned

Plumbers across the country are being inundated with work as they attempt to resolve numerous plumbing issues - that householders then discover are not covered by household insurance

Checking your household insurance policy to ensure that you know exactly what it covers and what it does not is essential, as a burst pipe or blocked drain can be problematic enough without this extra hassle.

New figures from the Association of British Insurers have shown that almost one in five claims on home insurance were due to an 'escape of water’, meaning that the damage came from an internal supply, rather than external water.

Make sure that you are aware of the amount of excess you will have to pay if you make a claim on the home insurance. The excess – the part of any claim pay out that is withheld by the insurer following claims – has risen for burst pipes or other leaks. However annoying this may be, trying to save money by opting for a cheaper premium can actually be a false economy if you find you are landed with a very high excess.

Most big insurers have an excess of