Does Homeowners Insurance Protect Against Slab Leaks?

Water damage can wreak havoc on your home. And there’s no worse kind of water damage than a slab leak.

What Is A Slab Leak?

The slab is the foundation of your home’s plumbing system; it holds all the pipes in place. There’s also a protective layer covering the pipes so they can move water in and out without any externally damaging force. When there’s a rupture in these pipes, the structural integrity of the slab is directly affected.

Slab leak repairs are costly because your home has sustained major physical damage. The costs also depend on the location of the leak and the difficulty the plumber will face in reaching it.

Most homeowners look for suitable and cost-effective options for slab leak repairs. But when the costs are too high, they often end up choosing an unsatisfactory plumbing service that might not be able to do the job.

In this case, it’s often beneficial to ask your insurance provider if your homeowners insurance policy covers slab leaks.

Will Insurance Cover Damaged Done By A Slab Leak?

It’s not always easy to determine if a slab leak will qualify for coverage under a homeowners insurance policy. Usually, slab leaks need to fulfill three categories before your insurance provider accepts your claim (more on that later)

Moreover, depending on your policy, your policy might only cover the damaged area and not provide coverage for the replacement of the pipes and slab. The following are some ground rules on slab leak coverage in insurance policies:

· Damage to your home: homeowners insurance can only be claimed if there is visible damage to your home as a result of a slab leak.

· Your policy covers water damage: Since a slab leak is a type of water damage, your plan needs to state this coverage clearly. In case you excluded coverage for water damage, you will be left uninsured when there’s a slab leak in your home.

· The damage needs to be sudden: If you were noticing a puddle of water every day near the now-damaged site and did nothing about it, your insurance company has the right to deny your claim.

· The type of soil: Homeowners insurance policies in Texas usually exclude the property’s foundation coverage because of the geological setup of the city, which is mostly clay. The terrain is prone to shifting; hence, you have to buy additional policies to acquire coverage for slab leaks.

If you’re unsure about whether your homeowners insurance policy covers a slab leak or not, you should contact your insurance agent.

Moreover, if you’re looking for a proficient plumber who can fix your slab leak at competitive prices, you can get in touch with the experts at Pro Serve Plumbing.

In the wake of COVID-19, the team is mindful of sanitization and personal hygiene when it comes to providing their services to residential and commercial clients, as per CDC and WHO guidelines. They also offer various other plumbing services in Fort Worth, including leak detection, toilet repairs, and water purification services.