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Does Home Insurance Cover Broken Pipes Under a Slab - morgan and morgan
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Does Home Insurance Cover Broken Pipes Under a Slab?

Does Home Insurance Cover Broken Pipes Under a Slab?

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Does Home Insurance Cover Broken Pipes Under a Slab?

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.

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  • How to Know if Something Is a Slab Leak?

    Underneath your home's slab, there may be a leak in the plumbing. This slab is the concrete foundation on which the remainder of your home is built. When you are living in a home where the water line is embedded inside a concrete slab, plumbing leaks can easily go undetected. Some of the ways to identify that a slab leak is already happening in your home are that you've noticed low water pressure, foundation cracks in your walls and floors, a musty odor throughout the home, or very high water bills. The basic structure of your home is typically covered by homeowners insurance. This means that the slab and the rest of the home's foundation should be covered only when a covered peril has occurred that caused the initial damage. Your homeowners' insurance, when there is a covered peril, will pay to remove the slab and replace it. 

  • When Will My Slab Leak Be Covered by Homeowners Insurance? 

    Asking the question "Does homeowners insurance cover broken pipes under a slab?" requires a thorough evaluation of the situation that led to the problem in the first place. Different types of covered damage should be listed explicitly in your homeowners' insurance policy. If the slab damage occurs as a result of a covered event, your insurance company can pay for the removal of the slab and repairs to it. Furthermore, the personal property coverage part of your policy may come into play if your slab leak leads to water damage to your belongings like your furniture.

    Common causes of slab leaks and cracks that are covered by homeowners’ insurance include fallen trees, tornadoes, fire, explosion, burst pipes, collapse due to ice, sleet, rain, or snow, frozen plumbing if you were maintaining heat in the home, vandalism, or sudden cracking of a hot water system. However, this means there are plenty of scenarios when the answer to "Does homeowners insurance cover broken pipes under a slab?" is no. 

    Slab leaks that are not covered by homeowners insurance will be the result of an investigation of the scene of the incident and a determination of what caused the initial leak. Some of the things that will not be covered by a homeowners insurance policy are faulty construction or design, sinkholes, earthquakes or flooding, wear and tear, deterioration, natural settling, insects, or rodents. Although homeowners insurance will help to repair water damage and slab leaks caused by burst pipes, you should not expect that your homeowner’s insurance will cover the broken pipes. 

    If you determine that the pipes are broken but there is no damage to your actual slab, you will need to cover out of pocket the broken pipe replacement. This is why it is a good idea to have your slab evaluated by a professional inspector every few years. This person should have a contracting background in working on foundations and can help to identify early signs. 

  • What if I Have to Repair a Slab Leak on My Own?

    Home advisor research shows that the majority of homeowners pay just over $2,000 for slab leak repairs. Bear in mind that your homeowners' insurance policy probably also has a deductible on it and that then the insurance company would pick up the remainder of the loss excluding those broken pipes. If you are having a difficult situation working with your homeowner’s insurance company trying to recover what you believe is a covered loss, you may want to hire an experienced and knowledgeable insurance lawyer to help you. 

  • When Is an Insurance Company Involved in Bad Faith?

    Read through the specifics of your homeowners' insurance policy to learn more about situations where the homeowners' insurance company should be following protocol. If you believe that they have deviated from covered perils in your policy or are wrongfully delaying, denying, or minimizing your claim, you can use this information to allege that the insurance company is engaged in bad faith. It is a serious matter to accuse an insurance company of bad faith dealings so make sure that you proceed cautiously. The support of an experienced lawyer is instrumental in guiding you through this legal process and providing answers to your questions.

  • What if My Insurance Company Is Involved in Bad Faith? 

    Insurance companies have a legal obligation to handle insurance claims in a timely manner and to avoid legal behavior that harms your rights. If this happens to you, then you can file a bad faith insurance claim to recover compensation for damage done to you. It is a serious matter to allege a bad faith claim, so you want to meet with a lawyer first before moving forward with your legal claim. The support of a lawyer is instrumental in helping you protect your interests. Make sure that you speak to a dedicated lawyer about your case as soon as possible.

  • Do I Need a Lawyer?

    In the best-case scenario, you can file an insurance claim for your slab damage and get compensated quickly. If you and the insurance company can agree on the amount owed to you, this is a seamless process. Unfortunately, however, this is rarely the way it goes for someone dealing with a situation involving slab damage. You might discover that your insurance company is delaying or denying your claim, prompting you to file a bad faith insurance lawsuit against them.

    If you’re not familiar with how the insurance process works, you need to share your concerns about your specific case with a lawyer who knows the lay of the land. With so many questions to be asked, it’s important that you find a lawyer who cares about protecting your rights and giving you the best chance to recover compensation. 

  • What Evidence Do I Need?

    When filing a slab damage claim, the insurance company might work with a local contracting company to come out and create an estimate. This is only the first stage in the insurance process. The insurance company heavily relies on the report submitted by the contractors with a bid before deciding how much of the damage they will cover. It is possible that the contractor determines that the cause of the slab leak is a burst water line. In that case, the contractor might be able to fix both the slab problem and the waterline, but your insurance company will not always cover the broken pipes underneath. In that case, the bid will be sent over to the insurance company for their review. They might also ask for additional evidence like photos or videos, so be prepared to provide these.

    It’s up to you to submit your insurance claim as soon as possible after the incident happens. If you wait too long and additional damage occurs, your insurance company might have a problem approving that claim, especially if you had reason to notice the slab leak or burst pipes at some point in the past.

    If you’re dealing with a current slab leak problem, you can talk to our experienced attorneys at Morgan & Morgan today and receive a free, no-obligation case evaluation to take your first steps toward resolving this unfortunate issue.

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Last updated on May 31, 2023

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