re: plumbing problems

A good rule of thumb for insurance is it covers damage that happens in a point of time, not over a period of time. It also doesn’t cover movement of the earth or shrinking expansions etc of the earth or slab.

Typically if there is sudden and accidental water damage from a drain line under the home, the policy will cover to repair the sudden and accidental damage and the drain line under the slab. So things like water damaging carpet or laminate flooring is a good source to possibly open insurance coverage. Things like rot is a denial. Sudden and accidental is typically defined in the policy as happening more than 2 weeks