Slab Leaks May be Covered by Homeowner's Insurance

Slab leaks may be caused by any number of things. Freezing is often suspected, but is not often the culprit. Slab LEaks can occcur in the summer as often as in the winter, and can occur in the middle of your home far away from the cold as often as they occur near the foudation of the home. Many times, the cold rolled (soft) copper that has been laid down for the water lines has a small crimp in it that has worn a little too thin, or the copper has come in contact with another type of metal below the slab and electroysis is occurring. Perhaps the cause is something else that will never be known. No matter the cause, slab leak repair does not need to be a long, drawn out, painful process. Once you have determined that you have a slab leak, you can call your homeowner's insurance company to find out if you have coverage for it. Do not tell the insurance that you have a leak, but simply inquire as to whther or not you ahve the coverage. Some homeowners call their insurance company only to find out that they do not have coverage for a slab leak, and it is not until later that they realize that they in fact told their insurance company that they had a leak, and without coverage, a claim has still been made on their policy. Rates will still go up even without coverage and a payout! A homeowner will need to find out exactly here it is located so that an accurate repair can get started. Few plumbers have the tools and experience to locate hard-to-find leaks accurately. Call a leak detection company to find the leak, and then your plumber can make a small hole in the slab floor to repair the leak. The more accurately located the leak, the smller hole the plumber may need. Angie's List is a great resource to find quality companies to work with. Slab leaks often happen to houses in the same neighborhood. Ask your neighbors for their recommendation. United Leak Detection, Inc is a high quality leak detection company that locates slab leaks in Ohio, Indiana and Kentucky.

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Will My Homeowner's Insurance Cover My Slab Leak?

Will My Homeowner's Insurance Cover My Slab Leak?

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 http://www.unitedleak.com/ 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!

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.

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