Anytime that broken pipes occur in your home, this can cause devastation and serious problems for you and your loved ones. Contacting your homeowners' insurance is probably one of the first things that you will do to determine whether or not you have benefits for this.
In some cases, broken pipes may not be covered as part of your existing homeowners' insurance policy, so you need to be prepared to understand these different circumstances and read through the fine print on your homeowners' insurance policy to verify whether or not you do indeed have coverage. This means that you might have questions that will need to be addressed by reviewing your insurance policy.
You may ask, "Does home insurance cover broken pipes under a slab?" That can mean that there is a good chance you are already dealing with the problems of broken pipes. If the plumber has identified the initial issue as being broken pipes under a slab, you'll want to make sure that you can determine the initial cause of damage. Calling an expert professional to come and evaluate this situation is strongly recommended to put yourself in a good position to file a claim because homeowners insurance might cover repairs to your slab if the cause of damage is a covered peril, such as an exploded water line. However, most homeowners insurance policies do not cover broken pipe repairs. Homeowners insurance assists with the vast majority of foundation issues including slab leaks and cracks only if the cause of the damage is covered by a homeowners insurance policy itself. If your slab leaks because of something like an explosion or a pipe burst, homeowners insurance will probably cover the process of removing the slab and replacing it, but fixing the broken pipes is not a covered peril in most situations.
Homeowners insurance will also unlikely cover the repairs to your plumbing or your slab if the slab is damaged due to something gradual like tree root pressure or a plumbing leak or normal wear and tear. Age is another common reason that homeowners’ insurance will not repair the slab.