What we handle
- Sub-slab supply line failures
- Sub-slab drain or sewer line failures
- Thermal imaging and leak-detection results
- Repair access claims (slab cutting, excavation)
- Consequential water damage to flooring, walls, cabinets
Coverage basics
Most Florida policies cover sudden-and-accidental water discharge, including slab leaks, with standard considerations:
- Ensuing loss (water damage to finishes and contents): generally covered
- Pipe repair itself: sometimes covered, sometimes excluded depending on policy
- Access costs (tear-out and replacement of slab, flooring, cabinets to reach the pipe): covered as part of repair when necessary
- Leak-detection costs: covered when reasonable and necessary
Common carrier disputes
- Cause of loss: sudden failure vs. long-term seepage
- Access scope: carrier may argue less tear-out than actually required
- Flooring matching: when damaged flooring can't be matched, Fla. Stat. 626.9744 supports continuous-area replacement
Critical documentation
- Professional leak-detection report (certified leak detection company)
- Thermal imaging or moisture mapping
- Timeline of discovery
- Plumber's written diagnosis
- Photographs before and during repair
- Repair invoices