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This section of our website explains what we take into account when we look at complaints involving buildings insurance disputes about gradual damage.

Buildings insurance policies will generally only cover damage caused in certain ways. Usually the policy booklet will set out what causes of damage the insurer will cover by listing a number of ‘insured events’. Most insurers include similar ‘standard’ insured events in their policies, such as:

  • fire
  • flood
  • theft and;
  • accidental damage to underground pipes.

Usually the policy booklet will also explain in what circumstances the insurer won’t provide cover. These are known as the ‘exclusions’. Many insurers will exclude damage that’s been caused gradually. Sometimes that’s known as a ‘gradually operating cause’ exclusion. This note will look at the things we take into account when the gradual damage policy exclusion has been used to decline a claim.











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