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Homeowners insurance can help cover the cost of foundation issues — including slab cracks and leaks — if the cause of the damage is covered by your policy. If your slab leaks because of something sudden like a pipe burst or an explosion, homeowners insurance will likely cover the cost of removing the slab and replacing it, but it generally won’t pay to fix the broken pipes.
If your slab is damaged because of age, normal wear and tear, or something gradual like a plumbing leak or tree root pressure, homeowners insurance likely won’t cover the cost of repairs to your slab or plumbing.
Homeowners insurance provides coverage for the structure of your home, including its slab and other parts of the foundation
If your slab cracks due to a covered hazard, like a pipe burst, homeowners insurance will likely cover the cost of tearing out and pouring new slab, but pipe repairs will likely not be covered
Slab and plumbing issues resulting from age or normal wear and tear are not covered by home insurance
A slab leak refers to a leak in the plumbing beneath your home’s slab, or the concrete foundation on top of which the rest of your home is built. In houses where the water lines are embedded within concrete slab, plumbing leaks often go undetected. This can lead to unusually high water bills, a musty odor throughout your home, low water pressure, and foundation cracks to your floors and walls.
Homeowners insurance covers the basic structure of your house — including its slab and the rest of your home’s foundation — in the event that it’s damaged by a covered peril. That means if your slab cracks and the cause of the damage is covered by your policy, your homeowners insurance will pay to remove the slab and replace it.
Your homeowners insurance policy will list the different types of covered damage. If your home’s slab is damaged by a covered event, your insurer can pay out for removal and repairs. If the slab leak causes water damage to your furniture or other belongings, the personal property coverage portion of your policy can help repair or replace that as well. Causes of slab cracks and leaks that are covered by homeowners insurance include:
Collapse due to the weight of snow, ice, rain, or sleet
Frozen plumbing (only if you maintained heat in the home)
Sudden cracking of a hot water heating system (like a water heater)
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Unfortunately, the most common causes of slab cracks and leaks are gradual issues, or simply the natural shifting of the ground, which aren’t covered by homeowners insurance. If your insurer determines that your slab leak is caused by any of the following, you likely won’t be covered for repairs.
Natural settling, shrinking, bulging, expansion, and cracking of the foundation
Wear and tear, marring, deterioration
Tree root pressure
Rodents, insects, and vermin
Faulty design or construction
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. If you find out that your pipes are broken but there isn’t any actual damage to your slab, you’ll likely have to pay out of pocket to tear out the slab and repair or replace the broken pipes.
To avoid a situation like this, be sure to have your slab inspected every couple of years by a foundation contractor. They may be able to spot issues and warning signs that you’ve missed.
If your home has a slab leak, you’ll likely know if you begin to notice any of the following:
Cracks in the slab
Higher water bills than usual
Damp spots on the floor or carpet
The smell or mold or mildew
Warm areas of the floor
Low water pressure
The sound of water running
Most homeowners pay an average of $2,280 for slab leak repairs, according to Home Advisor.
Keep in mind that prior to paying you out for covered damage to your slab, you’ll have to pay a policy deductible before your insurance company will cover the remainder of the loss. If the damage to your slab is only slightly more than your policy deductible, you may want to reconsider filing a claim. Claims related to water damage and foundation issues tend to result in higher rates, so be sure to weigh the pros and cons prior to going ahead with the claim.
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