Looking for some advice:
House was built in 1968. Half of it is on crawl space, half on slab. Sewer drain and water lines run under the slab.
Noticed water coming out from under our foundation a few days ago. Plumber used a camera to find a broken drain line (I believe it is a cast iron pipe) that runs from a bathroom under the slab to the city sewer. Water is pooling up under our slab and coming out from the foundation in the low part of our property.
Recommended fix is to pull out our nice wood flooring, bring in a jackhammer and start digging up the foundation to find the leak and check for foundation damage.
Called insurance (Liberty Mutual) to see if it was covered. Nobody could tell me for sure so I was forced to file a claim to find out.
From their website;
The claims person said it was not covered since there was no damage internally to the house. I asked if they could cover the cost to repair the floor which the plumber would have to dig up in order to fix the pipe. Their response was no, they do not cover anything unless there is first some evidence of internal damage to the house.PIPE BURST-
You are covered up to your policy's limits for that damage, and for any additional damage done in the course of repairing the system. Coverage does not include the cost of repairing or replacing the system itself unless the damage was caused by freezing. Only water damage that is sudden and accidental is covered, so your policy would not cover damage from a slow leak, for example.
So am I being penalized for finding a leak early before it causes "internal" damage? Why does coverage appear to stop once you hit the slab and the foundation? Is the slab not "internal".
This is such an $$$$ and common problem with slab houses and it sucks that insurance companies are trying to get off the hook for it.