Does Insurance Coverage Really Pay for Slab Leak Detection? Here’s Everything You Need to Know
Any water leak, even a minor pipe leak can cause distress to your life until it is properly fixed. Unfortunately, slab leaks are some of the severe types of water leaks a property owner can ever come across. When you are hit with a slab leak, one of the first things that come to your mind is “Will insurance pay for my slab leak?” We will answer your question as well as provide you an insight on effective slab leak repair in San Diego.
Regrettably, there’s no solid yes or no answer to this question. It requires the combined analysis of various factors to arrive at a conclusion. Fortunately, you will have a clear idea of the answer to your question by the end of this article. Let’s dive in!
What is a Slab Leak Anyway?
Before you call your insurance company and say that your home has a slab leak that needs insurance coverage, you should know what a slab leak really is.
The slab is the concrete foundation on which your home is built. A slab leak occurs when there’s a leak in one of the water or sewer lines that run below your concrete foundation. Unlike other plumbing leaks, slab leaks are not that common but have the potential to cause severe damage to your property.
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Understanding What Your Insurance Covers
The question of whether your insurance will pay for your slab leak or not comes down to two main things- Your insurance policy and what caused the leak to occur.
Every insurance policy states a list of perils that the insured or the homeowner is covered for. The most common types of covered perils include fire, wind, water, explosions, etc. So if your slab leak occurs due to one of the perils covered in your insurance policy, your insurance will likely help pay for repairs.
Are Repair Costs Covered By My Homeowners Insurance?
Even if the cause of your slab leak is a covered peril in your insurance policy, you still can’t be certain that you will be covered for your repairs entirely or partially. That is because homeowners insurance is of two types with varying policies.
1. Dwelling Coverage
Dwelling coverage will cover the cost you incur to repair and restore the structure of your home. So all the walls, floors, and other structural elements damaged by a slab leak will likely be covered by your insurance, but probably will not pay to restore your plumbing.
2. Personal Property Coverage
Personal property coverage will cover the repair or replacement costs of any belongings damaged by a slab leak. This can be furniture, artwork, or any other valuables affected by a slab leak.
In times like this, it also really helps if you can work with a leak detection expert in San Diego, such as All Star Plumbing who is well experienced with homeowners insurance.
