NICHOLAS CHRISTOPHER KELLY v. NORWICH UNION FIRE INSURANCE SOCIETY LTD.

[1989] 2 Lloyd's Rep. 333

COURT OF APPEAL

Before Lord Justice Croom-Johnson, Lord Justice Bingham and Lord Justice Taylor

Insurance (Buildings and Contents) - Indemnity - Bungalow built on clay - Very dry summer in 1976 led to dessication of clay - Bungalow insured with defendants in 1977 - Bungalow supplied with water direct from mains - Leaks and breaks in pipe in 1977 and 1978 - Incursion of water by coiled pipe - Damage caused to bungalow - Whether insurers liable to indemnify plaintiff.