Does homeowners insurance cover slab leaks?

A slab leak—a water leak beneath your home’s concrete foundation—can cause serious damage if left untreated. Homeowners facing this issue often ask the big question: Does homeowners insurance cover slab leaks? The answer depends on what caused the leak and how your policy is written.

When Homeowners Insurance Covers Slab Leaks

In many cases, homeowners insurance may cover slab leaks if the damage is sudden and accidental. For example, if a pipe bursts unexpectedly under your foundation and causes water damage, your policy might help pay for repairs to the foundation, flooring, and other affected areas. Coverage typically applies to the resulting water damage, not necessarily the cost of repairing the broken pipe itself.

When Slab Leaks Aren’t Covered

If the slab leak occurred due to wear and tear, poor installation, corrosion, or neglect, most insurance companies will not cover the repair. These situations are considered maintenance issues that develop over time, and homeowners are expected to perform regular upkeep to prevent them. Additionally, if the water damage has been ongoing and unnoticed for an extended period, your claim could be denied.

How to Protect Your Home from Slab Leaks

Early detection is key to minimizing damage. Watch for signs like higher water bills, damp floors, or the sound of running water when faucets are off. Schedule routine plumbing inspections to catch small leaks before they become major problems.

Call the Howard Steele Agency Today

Understanding your coverage before disaster strikes can save you thousands in repair costs. If you’re unsure whether your homeowners policy covers slab leaks, contact the Howard Steele Agency at (541) 318-8835. Their experienced agents can help you review your coverage, explain your options, and ensure your home is protected from costly surprises.