Is A Slab Leak Covered By Homeowners Insurance?

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   David G. Pipes, CLU®, RICP®

   Business Development Officer, T.D. McNeil Insurance Services, Fresno, California

   If the cause of a slab leak is a ‘named peril” the leak will be covered.  In an “all-risk” policy that includes every conceivable cause of loss except those specifically excluded.  Some of those exclusions could cause a slab to leak.  There isn’t coverage if the slab leaks because of underground water, or earth movement.  If the crack was the result of settling, cracking, or shrinking the claim would not be covered.

   Answered on May 1, 2014

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