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  #21  
Old 01.11.2016, 18:08
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Re: hit with massive water bill... can home insurance help?

We have water seepage/leakage insurance with the Mobilière- a small extra premium. Do you? In our case, I do not think it would work if the house has been vacant for a long period of time though. Was the house heated properly during the vacant period and checked regularly? Is your Insurer aware of the fact the house is not occupied for long periods of time?

Last edited by Odile; 01.11.2016 at 18:56.
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  #22  
Old 01.11.2016, 18:12
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Re: hit with massive water bill... can home insurance help?

If I'm not mistaken you should be turning that slotted screw into the body of the fitting.

That looks like a pretty old installation... you may end up being told that all the plumbing in the house need replacing. If you already have a steel pipe which is leaking to the tune of 3K per billing period, then no, the plumber is not having you on.
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  #23  
Old 01.11.2016, 18:42
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Re: hit with massive water bill... can home insurance help?

When the plumber comes, I'd suggest asking him to install a small on/off valve on the filler pipe before it enters the cistern.
I had them fitted to my toilets and turn them off before going away; a neighbour came home a few years ago to a cracked cistern that was dribbling onto the bathroom floor, fortunately she'd only been away for a couple of days.

You're almost certainly going to have to pay that bill too as it'll be considered normal consumption..... sadly no insurance company is going to cover you for a leaky cistern that you've know about for months.
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  #24  
Old 18.02.2017, 16:02
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Toilet leak - 5000 chf down the drain!!

Hello all!

I am doing renovations on my house at the moment, pretty much finished, but it was previously closed for 5 years, no one was living inside. I have been paying the bills all this time, water and electricity needed to just keep the house lightly heated so the pipes don't burst etc in the winter...etc etc...

The bills have always been stable, always the same for these 4/5 years. I had noticed a small leak in the toilet, just some small running water 5 years ago, but because I had not noticed anything extreme in the bills and I was not able to get to Geneva for many reasons during this 5 years, it was not on the top of my list to sort out the leak, as I said it was small, and the bills were normal, not high.

I have been there for most the summer sorting out the house and getting the renovations started, the water leak was still small and still there, but as I said, as the bills were small for the past 5 years, again, the same thought was in my head, we are replacing the toilets so it will finally get sorted, and was waiting for the plumbing people to start after the electricity guys etc etc.

But at the end of the summer, when we had the yearly meter reading (we have had yearly meter readings each year for the 5 years), this only included the past year, I got a whooping bill of nearly 5000 CHF!!! I have spoken to people, the builders, the electricity company who came to see if there was a faulty meter (as we had just coincidentally gotten ours replaced at the time of the bill, as a standard practice, they replace it every 12 years or something). Everyone told me it must of been the toilet leak, and for some reason it only hit me this past year (perhaps the leak had gotten worse over time, although I spent the summer there and really didn't feel like it was leaking more then before). Anyways, there really doesn't seem to be any other leak in the house, 5000chf is loads of water, almost 1/4 of an olympic swimming pool I've been told!

I was wondering if there is any advice out there, I contacted my insurance company but they seems to want to see actual water damage in the house, and for me, the damage is the 5000chf bill, which is tons and tons of money obviously!

Any other way I can go about trying to get even a little bit back? Is there any way I should approach the situation ?

I know it can be negligence in terms of knowing there was a water leak, but as I said, the water bills were so low, I didn't think it was using much water, I thought it was a tiny leak, and inheriting the house was a bit complicated due to family issues, so I couldn't get back to geneva for 5 years and couldn't ask anyone for favours in terms of sorting it out for me...anyways....I could of made more of an effort to fix it and obviously would of if the bills had reflected a huge water leak....I have no experience with owning a house and I would never have imagined, after 4 years of stable/low water bills, it would all of a sudden change so drastically.

Ok, I think I have explained it best as I could, any advice would be greatly appreciated

Best
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  #25  
Old 18.02.2017, 16:06
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Re: Toilet leak - 5000 chf down the drain!!

You by your own admission noticed the leak and despite all of your excuses did nothing about it for 5 years. Go back to the water company, show them your monthly bills, and ask them to re-calculate. If it's right, then there is nothing you can do about it except pay.

Last edited by Chuff; 18.02.2017 at 16:27.
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  #26  
Old 18.02.2017, 16:25
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Re: Toilet leak - 5000 chf down the drain!!

I'd look around outside. Maybe burst pipe underground.
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Old 18.02.2017, 17:35
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Re: Toilet leak - 5000 chf down the drain!!

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You by your own admission noticed the leak and despite all of your excuses did nothing about it for 5 years. Go back to the water company, show them your monthly bills, and ask them to re-calculate. If it's right, then there is nothing you can do about it except pay.
hello, yes, there was some running water in the toilet, (not a leak outside the toilet)

i did ask them to recalculate, they said it doesn't seem right that its from a toilet but regardless i have to pay because the meter shows it went out. so they don't care how it went out, they have to charge re: the meter reading.

there are no other leaks, as the builders have looked around.

sorry i didn't mean to make excuses, it was more about giving all the information, and it was more about knowing there was some extra water running in the toliet and knowing it wasn't costing more then 100 every 3 months (this was for other water usage too including this small run of water in the toilets, there are tenants on the other side that i am paying water for). anyways, my excuse was more about seeing the leak, paying attention to it, seeing that it wasn't causing damage for 4 years in reflection of the bills. so i was aware that it wasn't leaking enough to show in the bills, therefore, did not fly to switzerland to fix it ( i couldn't during this time anyways)

thanks for your comment.
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Old 18.02.2017, 17:37
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Re: Toilet leak - 5000 chf down the drain!!

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I'd look around outside. Maybe burst pipe underground.
thanks for your reply, we have looked around, there is nothing else we can see. that is why we are concluding that it can only be this running water in the toilets. there is no garden, and no water damage anywhere in the house.

the water company said it is very strange to be so high, but can't really help more then agreeing that it is very peculiar. on their end, they have to follow what the meter says.
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  #29  
Old 18.02.2017, 17:50
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Re: Toilet leak - 5000 chf down the drain!!

Can someone merge the threads?

hit with massive water bill... can home insurance help?

Thank you.
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  #30  
Old 18.02.2017, 17:56
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Re: Toilet leak - 5000 chf down the drain!!

Just fix the toilet leak and wait another 5 years. If you get another bill for 5k, then you know there was another leak.
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  #31  
Old 18.02.2017, 18:00
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Re: Toilet leak - 5000 chf down the drain!!

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Just fix the toilet leak and wait another 5 years. If you get another bill for 5k, then you know there was another leak.
Actually, one could fix the toilet leak (or just close the shut-off valve), read the meter, wait a month, read the meter again, then extrapolate the data.

But that might be too methodical for some.
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  #32  
Old 18.02.2017, 18:08
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Re: Toilet leak - 5000 chf down the drain!!

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Just fix the toilet leak and wait another 5 years. If you get another bill for 5k, then you know there was another leak.
all is sorted, i was asking about insurance now! and the 5k was for 1 year (2016), not 5 ! the previous 4 years were normal (with the same water running)


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Actually, one could fix the toilet leak (or just close the shut-off valve), read the meter, wait a month, read the meter again, then extrapolate the data.

But that might be too methodical for some.
haha, thanks, of course I sorted out the running water, my questions weren't about the leak itself, it was more about insurance. if there was a way of reimbursing even just a little.

the 5K for was for 2016, the years before was perfectly normal water bills with the same running water in the toilet (hence my non-action)



but yes, of course sorted out the leak after seeing that bill!!!!
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  #33  
Old 18.02.2017, 18:23
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Re: Toilet leak - 5000 chf down the drain!!

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Can someone merge the threads?

hit with massive water bill... can home insurance help?

Thank you.
You know how to report posts... right?
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  #34  
Old 18.02.2017, 18:28
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Re: Toilet leak - 5000 chf down the drain!!

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but yes, of course sorted out the leak after seeing that bill!!!!
On the other thread the leak was ballparked to be something in the order of 1l/min. That is not a dribble! Your ears should have told you to have it sorted before your bank balance did.

You're a new house owner with little experience, and a house which has apparently not been all that well maintained. This is an expensive way to learn that ignoring minor maintenance issues gets very expensive, very quickly.

My lesson was that a clogged downpipe at the gutter may not seem like a big deal for a season or two... until you end up repairing the concrete and mold damage in the laundry room where the pipe entered the house. (When the water runs down the outside of the pipe it ends up in the house - it doesn't take much to cause a problem)
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  #35  
Old 18.02.2017, 18:33
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Re: hit with massive water bill... can home insurance help?

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Can someone merge the threads?

hit with massive water bill... can home insurance help?

Done.

Thank you.
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You know how to report posts... right?
He might have reported as well. Plenty of users do both.
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  #36  
Old 18.02.2017, 18:39
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Re: Toilet leak - 5000 chf down the drain!!

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You know how to report posts... right?
Pfft. The correct response is to report a post in the new thread, report a post in the original thread, post to both threads saying they should be merged, email a couple of your favourite mods, OTBC anyone you can in the new thread, and start a support thread about lack of moderation.
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  #37  
Old 18.02.2017, 18:42
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Re: Toilet leak - 5000 chf down the drain!!

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On the other thread the leak was ballparked to be something in the order of 1l/min. That is not a dribble! Your ears should have told you to have it sorted before your bank balance did.
Actually, for a 5k bill in a one year period, it's close to 8l/min, not just 1!

Tom

Last edited by st2lemans; 18.02.2017 at 18:51. Reason: Correction for actual price of 1.20/m3
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  #38  
Old 18.02.2017, 18:48
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Re: Toilet leak - 5000 chf down the drain!!

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all is sorted, i was asking about insurance now! and the 5k was for 1 year (2016), not 5 ! the previous 4 years were normal (with the same water running)




haha, thanks, of course I sorted out the running water, my questions weren't about the leak itself, it was more about insurance. if there was a way of reimbursing even just a little.

the 5K for was for 2016, the years before was perfectly normal water bills with the same running water in the toilet (hence my non-action)



but yes, of course sorted out the leak after seeing that bill!!!!
There's almost certainly nothing you can do about the bill, no insurance company is going to pay out a claim for a problem that you've been aware of for several years but nothing about. All-in-all it could have been a hell of a lot worse than five thousand francs.
Are you absolutely sure that your tenants (in the other part of the house) haven't for some reason been using extra amounts of water over this period; or also now have a leaking toilet, etc.?
Also, if you're planning to rent out the newly renovated section of the house once the works are finished you'd be best adviced to fit a separate meter.
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  #39  
Old 18.02.2017, 19:22
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Re: hit with massive water bill... can home insurance help?

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He might have reported as well. Plenty of users do both.
Right...
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Old 18.02.2017, 19:36
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Re: hit with massive water bill... can home insurance help?

I just measured my kitchen sink, it flows just over 8l/minute (both hot and cold on full), so about the amount you were losing.

There is NO WAY that a bad toilet valve can leak that amount.

Tom
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