Understanding trace and access cover:
what you need to know
What is Trace and Access?
Trace and access cover is part of all Uinsure home insurance policies and covers the cost of finding the source of a leak.It’s common for home insurance policies to cover the cost of water damage but not all insurance policies include Trace and Access which will cover the financial costs of finding exactly where the leak has come from.
Why is it called Trace and Access?
When damage occurs to a property, the first step in the process of making a claim is to determine the cause of the damage. This is known as “tracing” the source of the problem. For example, if a roof is leaking, the cause of the leak must be found before it can be repaired. This process can be time-consuming and costly, as it may involve hiring professionals to perform inspections, tests, and evaluations to determine the cause of the damage.Once the cause of the damage has been identified, the next step is to “access” the damage and make any necessary repairs. This may involve removing walls, flooring, or other parts of the property to properly assess and fix the issue.Trace and Access cover is designed to provide financial protection for the costs associated with tracing and accessing the cause of the damage. This can include the cost of hiring professionals to perform inspections, tests, and evaluations, as well as the cost of making any necessary repairs.Uinsure provides £1million of Trace and Access cover as standard which gives policyholders peace of mind that they will be protected if they need to claim and will receive a quick and efficient service to address any damage that has occurred.