04/05/2026
How much do you think this cost to fix?
We've all done something silly like leave a tap running or the iron plugged in... for this client it was leaving Drano in the bath tub without rinsing it down.
And as you can see, that stuff is powerful!
We hadn't seen damage like this before so we asked for an insurance builder to take a look, and they initially presented a cash settlement offer of $2,825 (less the client's excess) for the bath to be re-enamelled.
Before we accepted the offer we wanted to make sure that this could actually be done for this amount of money, and quickly discovered that it could not. Because the tub was built in to a concrete slab, it meant the plug/waste couldn't be taken out without destroying the entire bathroom.
It took an extra 2 months of back and forth, but we ended up getting the client a much larger cash settlement offer of $19,840 (less the client's excess) allowing her to actually do the work required.
Not only is this a great example of Accidental Damage to a client's home that wouldn't have been covered by a standard Listed Events policy, it also shows the difference that a great insurance broker can make because we held the line and kept pushing for the right outcome.
Thank you to our beautiful client for allowing us to share the details of this incident, and if you've ever done something similar you might like to look at adding Accidental Damage cover to your own Home Insurance!
https://www.macedonrangesinsurance.com.au/post/what-does-accidental-damage-cover-on-my-home-insurance