HHD, put a disclaimer on your paperwork. Something along the lines of care will be taken etc but occasionally problems do arise which are hitherto unknown, and these are, or may be, chargeable.
If the plumber wasn't there at the time I probably still wouldn't have bothered with my insurance. After the pipe was fixed it is easy enough to replace a bit of the ceiling below and get a plasterer in to skim. Obviously it depends on the extent of the damage etc.
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That wasn't my experience, with the repair of the damage. In my case, the escaping water was from the central heating system, and therefore oxidised or whatever.
The ceiling was damaged in various places, and some marks on the floor. I had considered repairs myself, but decided to use my insurance company. I'm glad I did.
My client made a claim for whole ceiling replacement, complete redecoration of the room, replacement of three piece suite (as they couldn't obtain similar), replacement of carpet. They also wanted compensation, for inconvenience etc.
Arrival of loss adjuster. Agreement was made on ceiling being repaired and redecorated. Armchair & carpet professionally cleaned. I finished off my work FOC, and replaced the CH 3 port valve FOC, which went faulty two weeks later and my client insisted was as a result of the draining down of the system.
I'm probably paying higher PL fees to date, but I think I would of had a higher repair bill, if I hadn't involved the insurance company. It depends on who your dealing with, as the customer is always right