Monday, August 30, 2010

Will homeowner's insurance cover a water leak under the slab floor?

I had a job at a house in Westfield Indiana, and their Homeowner's insurance company was N*********e Insurance.  The adjuster was great, and they covered the slab leak detection, the slab removal, and the work to put it all back together.  As usual, they did not cover the plumbing work or the plumbing parts to fix the soft roll copper that was run under the slab.  The work could have gone faster if the homeowner had turned off the water the way we asked the night before.  Once we got into the slab, there were hundreds of gallons of standing water under the slab that prevented us from getting to the leak as quickly as usual.  **note to anyone with a similar problem** if you keep the water turned on, you may be damaging the underside of your home.  You are still wasting water, and when the plumber goes to fix it, you are more likely to have mud on the floor when they are done.  Check us out at Call United Leak Detection for a real person to talk to about a hidden water leak. No obligation, no pressure sales, and we only come to your home, if we can help! 888-422-5325 for information and nothing to lose!

Wednesday, August 18, 2010

Will Homeowner's Insurance Cover a Slab Leak

Will homeowner's insurance policy cover a slab leak?  The short answer is maybe.  If they do cover it, there will be some qualifications, and only a claims adjuster for your company can tell you for sure.  Your leak will need to be inside the walls of your foundation.  You don't have yard insurance, you have home insurance so a leak on your service line outside of the foundation will not be covered.  Sorry, but on the bright side, if that is your leak problem, it is likely the least expensive kind of hidden underground leak to repair.  If the leak is on the pressure side of your plumbing and the water under the house comes up through the slab and causes damage to your home or belongings, some portion of the work is very likely to be covered. 

If you do not have damage to the above slab portions of your home, and the leak is inside the walls of the foundation, you may still be in luck.  When you call your adjuster, they may say that they will pay to find the leak, but not to repair the leak.  Have no fear!  This means that the company will likely pay for the leak detection, pay to remove the slab, and whatever fill stands in the way of repairing the pipe.  The company will likely not pay for the actual cutting of the pipe, the pipe and fittings to repair the leak, and the labor to repair the pipe.  Then they are likely to cover the cost of fixing your home back to the original shape it was in before the work was started. 

Only a claims adjuster can tell you for sure, and some companies may not cover any of this at all.  To talk to a real live professional person about your problem call us today 888-422-5325 for no obligation, no pressure, information to help answer the problems in your home.