When a septic tank is damaged and in need of repair or replacement, it can be very costly for the property owners affected, with costs often running into thousands of pounds. In certain situations, the buildings insurer for the property should provide cover for the costs to repair or replace the damaged septic tank.
However, we often see instances of insurers or loss adjusters not making the right decisions on damaged septic tank claims. This can result in valid claims being turned down, or the wrong type of works being undertaken. In claims that we have successfully been involved with, we have noticed as many as 1 in 3 claims being incorrectly turned down, or the scope of works being incorrectly approved in the first instance.
Mantair works in partnership with the UK’s leading drainage insurance claims management company to offer a unique insurance claims management service for our clients to ensure the correct drainage solution is approved by the insurers.
At this property in Suffolk, the septic tank was damaged due to ground movement and was in need of replacement. Acting on behalf of the homeowner we were able to obtain approval for the replacement of the damaged septic tank under the household insurance policy.
Although the insurers wanted to replace the damaged system with a new septic tank and soakaway this was not possible as there was insufficient land available for the required soakaway. It was therefore agreed that the damaged septic tank would be replaced with a modern packaged sewage treatment plant, producing a treated effluent which would be discharged to a boundary watercourse.
The chosen sewage treatment plant was a six-person Biosure system which was installed underground with only a manhole cover at ground level. Prior to works commencing, Mantair engineers installed a euro-mat ground protection system to ensure that the impact on the garden was kept to a minimum.
With the new sewage treatment plant having minimal impact on the garden setting, Mantair engineers recommended the new system was installed adjacent to the damaged septic tank, thus reducing the amount of excavations required.
As with all new underground tank installations, the new sewage treatment plant was installed at a depth to ensure the existing foul drainage from the property could gravitate to the new system. It was necessary for the new sewage treatment plant to have an inlet invert depth of 750mm.
Once the sewage treatment plant was in position the tank structure was completely encased in concrete. Thus ensuring that the tank structure was protected from flotation ground pressure.
On completion of the ancillary works, Mantair engineers commissioned the sewage treatment plant, including setting of air valves, checking all pipe work joints and viewing the discharge into the boundary watercourse.
All machinery was removed from site and the garden was left in a neat and tidy manner with no evidence of disturbance to the garden setting.
Did you know that the cost to resolve a damaged septic tank may be covered by your existing buildings insurance policy?
Providing expertise in managing insurance claims for the costs of repairing or replacing damaged drainage systems, we work on behalf of property owners helping them to save thousands of pounds in resolving their septic tank problems.
Call our team today to find out more about how we can help solve your septic tank problem on 01255 853890 or fill out the form below.