We have just discovered we may have a serious leak from water pipes under concrete floors. No water damage can be seen yet, but confirmed by plumber we losing a lot of water from buffer tank in attic. We have underfloor heating throughout house. Our excess for ‘escape/overflow of water’ is €500. We have never made an insurance claim b4 and we wonder will making claim hugely increase our premium. We are 9+ yrs with current insurer. Our policy states one claim would put us back on step 2. Any ideas claim/don’t claim?