Any leak—even a minor leak like a dripping faucet—can throw a wrench in your life until it is fixed. Unfortunately, slab leaks are one of the most frustrating and severe types of leaks. This type of leak happens when the copper water lines that run underneath the foundation of your home develop a leak or multiple leaks—oftentimes because of corrosion to the copper pipes that occurs over time. A slab leak is not something to ignore. This type of leak can result in very severe problems, including damage to the foundation of your home. Slab leaks can also be very time-consuming and very expensive to fix. Fortunately, many homeowners insurance policies cover at least part of the cost of fixing a slab leak underneath your home. However, filing an insurance claim for a slab leak underneath your home can be a very complicated process. Before you give up and pay anything out of pocket for repairs, keep reading to learn how to properly file a slab leak insurance claim.
Assess Your Insurance Policy
The insurance policy you have can make a big difference in whether or not your slab leak insurance claim is accepted by your insurance company.
Many homeowners insurance policies cover slab leak repairs, but not the water damage from the leak itself. Having flood insurance—especially if you live in an area that is prone to flooding—can go a long way toward helping your slab leak insurance claim get accepted for both repairing the leak itself and the water damage it caused.
File Your Claim Early
File your slab leak insurance claim as early as possible. Slab leaks can be difficult to detect, and they can cause a large amount of water damage to the foundation of your home in a short period of time.
Filing your insurance claim as soon as you notice any signs of a slab leak in or around your home decreases the amount of water damage the leak will cause and increases the chances of your insurance claim being accepted.
Know What to Say (And Not Say)
Flood damage is not covered by most homeowners’ insurance policies. If the slab leak underneath your home does not seem to be coming from external flooding, do not note flood damage when you file a slab leak insurance claim. Your claim will most likely be rejected if you do note flood damage if you do not have flood insurance.
It is also important to note in your insurance claim that the slab leak was a sudden leak and not a leak that developed gradually over time. Noting this in tandem with filing your insurance claim as soon as possible can help increase the chances that your claim will be approved rather than rejected.
Get Help from Professionals
If the steps to file a slab leak insurance claim seem too complicated or time-consuming for you to handle yourself, you should consider getting help from professionals.
If you are based in Riverside County or its surrounding areas throughout Southern California, consider Accurate Leak Locators and Plumbing—a professional plumbing company with more than 30 years of experience in the plumbing and leak location industries—to help you file your slab leak insurance claim.
Accurate Leak Locators and Plumbing comprises a team of experts who will thoroughly inspect your property, identify the slab leak, and review with you the repairs that need to be completed in order to fix the leak. This professional plumbing company will then offer an itemized list of necessary repairs directly to your insurance adjuster and bills directly through your insurance company. Accurate Leak Locators acts as the middle-man between you and your insurance company. They handle everything and communicate directly with your insurance adjuster to ensure that you get the maximum coverage for the repairs you need to fix your slab leak and the water damage it may have caused.
Accurate Leak Locators and Plumbing is approved to work with many different insurance providers, including some of the top insurance providers—such as USAA, Travelers, StateFarm, Nationwide, Safeco Insurance, Farmers Insurance, National General Insurance, Mercury Insurance, Century-National Insurance Company, CSE Insurance Group, and more. Give them a call today for a quote or to schedule an inspection.