Recently bought a house and one of the searches showed that the drains serving our property and our neighbours in our street are privately owned and that we are responsible for unblocking,maintaining and the upkeep thereof. Just wondered what the situation is if there ever was a problem - would we contact Thames Water and be billed for work, or would we be expected to sort it out via private contractors etc. Hopefully will never have to find out
I Dont know anyone who has 'private drains' and its quite strange its not part of the main drainage network as its on a fairly busy road. Sorry for this very boring thread. Cone on Charlton !!
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If they are a good few years old, it might be a good idea to have them surveyed to ascertain whether or not you think it's worth signing up.
With sewers it's a little different.....and I'm not certain exactly where it is that they stop being responsible and you start.
If it's only £15.00 a year then that sounds a mighty good deal to me, as these kind of repairs are astronomic.
that is correct.
They put a call in to their Insurance company who after weeks of wriggling tell them that it will be £4,500 to repair and due to the small print on the policy it is NOT covered on their Insurance.
Long story short a neighbour who lives down the lane had a similar problem a few years ago and they used SAGA Insurance, who after no questions, no wriggling and no small print fixed it under the policy.
So my sister in law calls SAGA, is completely up front with the girl on the phone explaining it is an existing leak etc however it did not put them off, so they switch Insurers, leave it a week, then put a call in reporting the leak.
Guy turns up with a remote camera and puts it down the pipe, gives them the results and tells them the contractors will be here in the morning to dig up the lawn, repair the pipe and re-lay the lawn, and they did, all under the policy!
So the moral of the story is, yes you are responsible if the leak is on your land, if you have existing Insurance "Buyer Beware" of the small print, and if you are over 50 switch to SAGA.
I can particularly forsee problems if the blockage is on their land but higher up than the junction serving their house. They may have a clear drain, but all those behind them will be blocked. If you are in that position it would be good to be on decent terms with your neighbours/occupiers/owners of properties down from you.
My Dad had a private sewer and his property was slap bang in the middle of 6 that shared. I Know this was something he worried about
I suppose in most cases of a simple blockage, rodding through from your property will clear it. More concern would be if there was collapse and the waste could not drain into the land quick enough and it backed up.
An insurance policy to cover your liability for effecting repairs to the drain if the problem is on your land is a good idea. As has been said, many policies either specifically exclude damage to underground services these days or exclude certain causes of damage as occuring due to poor maintenance or depreciation. Always check this out. The Thames Water specific policy sounds a good idea but again check out the small print. As for SAGA, well great news that they paid out the claim. Be careful that it wasn't done on a grace & favour basis rather than specifically covered under their policy.
(Yes I used to be a general insurance broker but I've been out of it now for eleven years).