Under a trace and access insurance policy extension, the insurer covers the specialized exploratory costs incurred to find hidden leaks behind walls, beneath solid floors, or within ceiling cavities, including the fees for professional leak detection specialists using thermal or acoustic tools. It also reimburses the physical costs of breaking into the building structure—such as lifting tiles, drilling through concrete, or cutting open drywall—to reach the leaking pipe. Crucially, once the pipe has been successfully repaired by a plumber, the coverage extends to restoring those disturbed structural surfaces back to their original decorative condition, though the cost of fixing the worn pipe itself is usually excluded.
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