Module 6 — Claims Decision Framework

Capstone. Putting the previous five modules to work on a realistic instruction. End-to-end case walkthrough — ownership, scope, condition assessment, repair selection, and recommendation.

The five questions on every drainage instruction

Whatever the claim, the same five questions get you to a defensible recommendation:

  1. Who owns it? (Module 2 — public, private, shared, transferred?)
  2. What's the actual defect? (Module 3 — condition grade A/B/C, serviceable Y/N, root cause)
  3. What's the right repair? (Modules 3, 4, 5 — applying WRc Appendix D and Building Regs)
  4. What's the right scope? (Repair the insured peril vs upgrades / pre-existing conditions)
  5. Is the cost defensible? (Specification compliance + market norms + customer's policy)

The Catalyst recommendation template

SectionWhat it answersAnchored in
Property + system summaryWhat we foundSite visit + customer questionnaire
Ownership determinationWho paysModule 2 / DRB Part 2 / 14-question test
Site investigation findingsWhat is wrong + causeModule 3 / DRB Section 3.2-3.6
Condition gradingA/B/C per drain sectionModule 3 / DRB Section 3.3 / Table 3.4
Recommended repair scope (insured peril)What WE think is in scopeModules 3-5 / DRB Section 3.5, 3.7 / Appendix D
Items outside insured perilPre-existing conditions, upgrades, GBR breachesModule 4 / DRB Section 4.6, 4.9 / GBR rules
Cost validationSpecification-compliant pricingTables D.5/D.6/D.7 + market data
RecommendationApprove / decline / negotiateThe above

Case study — a worked example

📂 The instruction

Date: 12 March 2026
Property: 3-bed semi-detached, Cheshire (postcode CH4 8XX)
Property age: Built 1968. Connection to public foul sewer in highway. Surface water to soakaway in rear garden. Property is connected to United Utilities mains drainage; no private treatment system.
Customer: Mr & Mrs Reeves
Reported issue: Backing up of WC and shower in ground-floor en-suite. Reported intermittent over last 4 weeks; now persistent.
Insurer instruction: Investigate cause, recommend repair.

Step 1 — Who owns it?

Built 1968 → post-1937 so not a Section 20 sewer. Property is a single curtilage with a single drain. Connection to public sewer was in use well before 1 July 2011 → 2011 transfer caught the lateral drain (the section between the boundary and the public sewer in the highway). United Utilities is an English WaSC, so post-transfer the lateral drain is public.

Implication: Investigation must distinguish where the defect is. If in the lateral drain, contact United Utilities first — unauthorised work is trespass. Catalyst's authority is for the in-curtilage portion only.

Step 2 — Site investigation

CCTV survey carried out 14 March 2026:

Step 3 — Condition grading

Serviceability: unserviceable (intermittent backing up = recurring blockage, plus active infiltration).

Step 4 — Identify cause of failure

Step 5 — Select repair technique

Per DRB Table 3.6 + 3.7:

Step 6 — What is in scope?

✓ In scope (insured peril)
  • CCTV survey of in-curtilage drainage (already done)
  • Root removal and verification
  • CIPR patch on the cracked section (2 m → 3.5 m)
  • CIPP part-length on the rooted joint section (3.5 m → IC2)
  • Post-install CCTV inspection
  • QC documentation pack
⚠️ Outside insured peril (separate matters)
  • The lateral drain section beyond IC2 is public — defects in that section are United Utilities' to investigate. Coordinate notification to UU; do not undertake repair without their authority.
  • Any future tree management — discussed with the customer as ongoing maintenance, not a repair item

Step 7 — Cost validation

The contractor's quote should be measured against:

If the contractor proposes excavation and replacement, challenge: arching support is intact, no-dig is preferred per Table 3.6, and reinstatement of the patio drives the cost up unnecessarily.

Step 8 — The recommendation

✓ Catalyst recommendation

Approve no-dig repair (CIPR + CIPP part-length) on the in-curtilage drain, ~3.5 m total, with full QC pack. Notify United Utilities of any defects found in the lateral drain — investigation of that section is their responsibility. Advise customer separately on tree management as preventative maintenance.

When the case isn't this clean — five red flags

  1. Contractor proposes excavation when arching support is intact. Always check the deformation against the 10% / 20% threshold first.
  2. Off-mains tank replacement that is not like-for-like. Triggers Building Regs and GBR rules — and may pull drainage field upgrade into scope as a separate matter.
  3. Surface water connected to a private treatment system. Always dye-test gullies and rainwater pipes during off-mains investigations. If found, it's a GBR breach and must be separated.
  4. "Drainage field" that's actually a pit-soakaway. Non-compliant. Replacement is required regardless of tank condition.
  5. Pre-installation inspection was not done (e.g. tank empty, "couldn't see inlet/outlet"). The contractor's claim that they couldn't survey is itself a finding — proper investigation per DRB §4.5.3 was skipped.

Templates and tools

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Knowledge check — Module 6 (Capstone)

Q1. A 1980 detached house in Lancashire (United Utilities). The lateral drain is blocked. The contractor wants to start work immediately. Catalyst's first action:

Q2. A 4-bedroom rural property has a septic tank from 1972 discharging directly to a stream. Contractor's quote: replace tank with new package STP. Catalyst's analysis:

Q3. CCTV shows a clay drain in the customer's garden with a circumferential crack but no leakage and no flow restriction. Reactive investigation. WRc says:

Q4. A 5-bedroom property in England with a septic tank. Field area required (Vp = 50, factor 0.25):

Q5. A subsidence claim. CCTV survey shows clay pipework. Drainage specialist did a leakage test which failed. Five-year-old vehicle access ramp passes over the line. Catalyst's recommendation:

Q6. A pitch fibre drain shows 25 % deformation on CCTV. Recommended approach:

Q7. The customer's policy responds to the insured peril of "accidental damage to drainage" (subject to standard terms). The investigation finds a long-standing root mass in a private drain that has caused gradual deterioration over a decade. Catalyst's view:

Q8. A property's drains pass under a neighbour's land. The customer asks if they have access rights for the repair. Catalyst's answer:

Q9. A contractor's quote includes "fully replaced drainage field" alongside a like-for-like septic tank replacement. The drainage field was previously a pit-soakaway (rubble). Catalyst's view:

Q10. Customer reports recurring foul drain blockages at a 1995-built property, England. CCTV: clay drain, no defects visible, gradient appears flat. Catalyst's diagnosis:

Q11. Building Regs Part H approval is required for:

Q12. A contractor invoice for a private drain repair in Cheshire arrives at £4,800 + VAT for replacing 2 m of clay drain in a back garden, depth ~0.7 m. The trench reinstatement is plain garden topsoil. Red flag because:

Q13. A customer has been told by the contractor that "we can't possibly know if the drain is leaking without a pressure test" before authorising repair. The drain is in a reactive (non-subsidence) investigation; there is no recurring blockage. Catalyst's view:

Q14. Catalyst's recommendation should always cite:

Q15. The single most important rule before any drainage investigation:

🎓 You've completed the curriculum

Six modules done. Time to take the final certification — 30 questions across all topics, 80% to pass, generates a personalised completion certificate.

Go to Certification →
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