Quick answer
Trace and access cover may contribute to finding and reaching a hidden leak, but availability, limits and conditions vary by policy. Check with your insurer before arranging non-urgent opening-up work.
What tracing and access mean
Tracing is investigating where water is escaping from a concealed pipe or fitting. Access is the work needed to reach it, which may involve lifting a floorboard or opening a small area of a wall. The policy may treat investigation, access, repair and reinstatement as separate costs.
Methods can include visual inspection, moisture mapping, thermal imaging, acoustic listening or pressure testing. The appropriate method depends on the property and suspected leak. No single test is guaranteed to find every leak.
Read the policy conditions
Some policies include a specific trace and access benefit; others may not, or may set a limit, excess or approval process. There may also be conditions around an insured escape of water and the kind of pipe involved.
Do not assume that cover for access includes repair of the pipe, drying, replacement of finishes or damage caused by gradual deterioration. Ask the insurer what it will consider and whether it wants to appoint a contractor.
Before investigation begins
- 1Report the suspected leak and describe the signs, such as a meter movement, damp patch or pressure loss.
- 2Ask what evidence is needed, which contractors may be used and whether you need written permission before opening surfaces.
- 3Record existing damage with photographs and keep copies of reports, test results and invoices.
- 4Ask the investigator to explain findings, uncertainty and any recommended next steps in writing.
When to call a plumber
- Dampness persists but no pipe or fitting is visible.
- Your insurer asks for professional evidence of a concealed leak.
- Water loss continues despite shutting off known appliances.
- You need a careful investigation before surfaces are opened.