Does home insurance cover slab leaks?

I'm starting to suspect that I've got a slab leak on my property. It'll be expensive to fix and I don't know if I can afford it right now. Will insurance help cover the cost?

Answer
Questions about foundation and slab leak coverage can be very tricky to answer because there are a lot of variables. First, check to make sure loss to the foundation and water damage are covered by your policy. If either one is excluded, then the slab leak is not covered.
If both are included, then it depends on if there is damage to the home and if it was “sudden and accidental.” If the adjuster can see that the leak happened slowly over time, due to poor home maintenance or an excluded peril (like tree roots intruding into the slab), then it is not covered. If the damage was hidden and not due to neglect, then you are covered.
For more information about foundation repair, check out this article: Does Homeowners Insurance Cover Foundation Repair?.
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Shannon Martin
Answered on Mar 12, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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