Is a slow leak in plumbing in the foundation covered in a home owners insurance policy?

Short answer: Usually not — unless it caused sudden and accidental damage.

🏡 What an Home Owners Insurance Policy Typically Covers:

An Home Owners policy generally covers “sudden and accidental” water damage, but it usually excludes:

• Gradual leaks
• Maintenance issues
• Long-term seepage
• Wear and tear

So if the leak:

• Happened over time, and
• Wasn’t discovered right away,

…it’s probably excluded under standard language like:

“We do not cover loss caused by constant or repeated seepage or leakage of water over a period of weeks, months, or years…”

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💥 When You Might Be Covered:

Coverage may apply if:

• The leak caused sudden structural damage, like the foundation cracking or the floor collapsing
• The leak led to mold or rot, and your policy includes limited mold/fungi coverage
• You have an optional endorsement for foundation water damage or plumbing leak coverage

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✅ What to Do:

1. Check your policy declarations for:
   • Water Backup Coverage
   • Slab Leak/Foundation Endorsement
   • Mold or Seepage Riders
2. Have a licensed plumber document the cause and timing of the leak.
3. File a claim, even if you’re unsure — let the adjuster decide coverage.

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💡 Pro Tip:

If you live in Texas or similar states, some insurers offer a “Slab Leak Endorsement” specifically for plumbing issues under the foundation — this can be a lifesaver.