Texas municipalities reported system leak rates in 2013 and the leak rate varied from 4% system wide loss to as high as almost 18%. Water mains under residential streets can impact house foundations in the adjacent lots. Leaks in the feeder lines to homes also contribute to the loss.
Back in the early 21st century when many geotechnical engineers were assisting insurance companies with homeowner's insurance policy claims related to house damage with a suspected cause being soil movement and plumbing leaks, hundreds and hundreds of claims were apparent. Many of these claims did reveal plumbing leaks.
It is foolish to design site preparation and foundations based on the assumption that either (1) a plumbing leak will not occur, or (2) if a plumbing leak occurs well then the owner is out of luck. This is ridiculous. You do not design building foundations based on luck, particularly for a condition with a relatively high probability of occurrence.
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