The short answer
HO-3 covers foundation damage caused by fire, explosion, vehicle impact, or a covered plumbing leak. It excludes settling, hydrostatic pressure, expansive soil, and earth movement. Add a service line endorsement for buried pipe damage; add earthquake for movement-related cracks in CA, WA, and OR.
Frequently asked
- Does it cover slab leaks?
- Water damage from the leak yes; the pipe repair itself and slab access, usually no.
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