The insureds only realized they had a leak when their water bill was unusually high. The insureds claimed they suffered a loss to their residence due to an under the slab pipe leak. The applicable policy provided coverage for direct loss to property, but only if that loss is a physical loss to property. Coverage was denied. The insured filed a Petition for Declaratory Relief. During the deposition of the insureds, testimony was obtained that there was no damage to […]