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Q:Are underground services insured?
A:Our buildings insurance covers "accidental damage to underground pipes, drains and cables serving the buildings". It excludes damage caused by depreciation, wear and tear, atmospheric, climatic or weather conditions, any gradually operating cause, faulty workmanship, defective design or the use of defective materials, maintenance, routine redecoration or the cost of clearing blockages from pipes and drains if there is no damage to the pipe or drain itself. See buildings section of policy.