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So, if a slab leak results when tree roots damage your plumbing, or from plumbing lines that are simply past their prime, a typical homeowners insurance will not pay for repairs In this article, we'll explain what you need to know about slab leak insurance coverage, the types of damage typically covered, and what steps to take if you suspect a slab leak in your home. However, you may be able to add separate service line coverage to your homeowners insurance policy.

Though homeowners insurance covers slab leaks and water damage caused by burst pipes, it typically won’t cover the cost to fix the broken pipes Most slab leaks are covered by homeowners insurance when they are caused by covered perils. you may even be able to get reimbursed for personal property that is damaged during a leak event. If your pipes are broken but there isn’t any actual damage to your slab, you’ll likely have to pay the cost of any repairs out of pocket.

Homeowners insurance typically covers slab leaks that arise from a sudden, unforeseen event, such as a pipe bursting due to extreme cold or unexpected pressure

Conversely, leaks caused by gradual deterioration, wear and tear, corrosion, or inadequate maintenance are typically not covered. Luckily, home insurance may cover damage to your foundation if the slab leak was caused by a covered peril A slab leak caused by something else, like poor maintenance or wear and tear, usually isn’t covered. Homeowners insurance may pay for the damage caused by a slab leak—but not necessarily the leak itself—if the problem is sudden and accidental

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