Whether or not your insurance will cover slab leak repair depends on a multitude of factors, including what type of insurance you purchased as well as the cause of the damage. To decipher whether or not you’re eligible for coverage, first look at the root of the problem (In this instance, your pipes!). Slab leaks happen when water pipes below your home’s foundation are damaged. This can be a small or large break, but the end result will be the same; water will leak from the broken pipes and eventually cause severe property damage. Now that we have located the issue, the answer to your question will lie in how the pipes were damaged in the first place.
Guidelines will vary from plan to plan, but a good rule of thumb to follow when asking if you are eligible for coverage is whether or not the break came about through any fault of your own. Have you kept up with maintenance? Were the pipes old? Have they been replaced recently? These are all great questions to ask yourself to find out if youre eligible under your insurance plan. If you have failed to properly uphold your end of the deal as the homeowner then you may be on your to pay for any damages caused by damaged pipes- including slab leaks brought on by them.
Conversely, it’s possible that if the damage is done through no fault of your own (e.g storm damage, water damage, fire damage, explosions) then your insurance may cover the issue. It’s important you keep a close eye and read the fine print, however, as usual not every type of natural disaster will be covered. When looking at the fine print of your homeowners insurance is it also important to see whether only dwelling coverage is covered, or if personal property coverage is included as well. Dwelling coverage helps you with the repair of the foundations itself, where personal property coverage can help with any water damage caused by the leak.