Water Leak Between Meter and House: UK Homeowner's Complete Guide
Right, let's cut through the confusion. After 30 years tracking down hidden leaks across Devon and Cornwall, I can tell you that water leaks between meter and house are the most misunderstood plumbing problems homeowners face. Who pays? Who fixes it? How do you even find it when it's buried under concrete? This guide answers every question – and might save you thousands.
When you've got a water leak between meter and house in the UK, you're typically responsible for repairs on your property side of the boundary (usually marked by the meter), whilst the water company handles their communication pipes. Most UK water companies offer one-off free repairs for first-time leaks on supply pipes, and you can claim leak allowances on your water bill once fixed. Finding these underground leaks requires professional detection methods like acoustic listening or tracer gas – DIY attempts often cause more damage than the leak itself.
Quick Answers: Who's Responsible and What It Costs
The 30-Second Summary
- Your responsibility: Supply pipe from property boundary to house
- Water company's responsibility: Communication pipe from mains to boundary
- First leak? Most UK water companies offer free one-off repair
- Average damage cost if ignored: £3,000-£15,000
- Time water takes to cause structural damage: 3-6 months
- Insurance cover: Trace and access usually covered, pipe repair usually not
Who Is Responsible for Water Leak Between Meter and House?
This is where most homeowners get confused – and water companies don't always make it crystal clear. After dealing with every UK water company over three decades, here's the definitive breakdown:
| Pipe Section | Location | Responsibility | Typical Action |
|---|---|---|---|
| Water Mains | Under roads/pavements | Water Company | Free repair, no charge |
| Communication Pipe | Mains to property boundary | Water Company | Free repair, no charge |
| Water Meter | Usually at boundary | Water Company | Free repair/replacement |
| Supply Pipe | Boundary to house | Homeowner | One-off free repair available* |
| Internal Pipework | Inside property | Homeowner | Your responsibility |
*Here's what water companies don't advertise: Under Ofwat's code of practice, most offer a one-off free repair for supply pipe leaks. Thames Water, Severn Trent, South West Water – they all have schemes. But there are conditions: it's usually first-time only, must be a simple repair, and you need to report it promptly.
Signs You Have a Leak Between Water Meter and House
Spotting these leaks early saves thousands. Here's what I look for when investigating underground water leaks:

Visual Signs Outside
- Unusually lush grass patches (even in drought)
- Wet areas that never dry
- Sinking or raised paving stones
- Cracks appearing in driveways
- Water pooling after rain clears
System Indicators
- Meter constantly spinning: Even with everything off
- High water bills: 20-50% increase without usage change
- Low water pressure: Gradually worsening over weeks
- Sound of running water: When all taps are off
- Meter box full of water: Especially after rain
How to Find a Water Leak Between Meter and House
Finding these leaks is detective work. The pipe could run anywhere from 3 to 300 metres, buried under concrete, tarmac, gardens, or decking. Here's my systematic approach:
DIY Detection Method (The Meter Test)
- Turn off all water inside: Every tap, appliance, toilet – everything
- Find your meter: Usually under a small cover near the boundary (see our guide on finding your water shut-off valve)
- Check the dial: Look for the small red triangle or silver wheel
- Wait and watch: If it's moving, you've got a leak
- Turn off internal stop tap: Usually under kitchen sink
- Check meter again: Still moving? Leak is between meter and house
- Document everything: Take photos, note readings – you'll need this for insurance
Professional Detection Methods
This is where my three decades of experience comes in. DIY only confirms you have a leak – finding exactly where requires specialist equipment:
Acoustic Listening
Using ground microphones to hear water escaping underground. Works through concrete up to 2m deep. Best for metal pipes.
Success rate: 85% on first attempt
Tracer Gas Detection
Injecting safe hydrogen/nitrogen mix that escapes through leaks and surfaces. Works on all pipe materials, even plastic.
Success rate: 95% accurate to 10cm
Thermal Imaging
Detecting temperature differences caused by water flow. Excellent for leaks under floors and near buildings.
Success rate: 70% for external leaks
Correlation Technology
Placing sensors at two points to triangulate leak position using sound wave analysis.
Success rate: 90% on straight runs
Last week in Plymouth, a homeowner had already dug three holes trying to find their leak. Using acoustic leak detection, we pinpointed it within 30 minutes – 2 metres from their nearest hole. That's why professional trace and access saves money long-term.
Can You Fix an Underground Leak Yourself?
Let me be blunt: attempting DIY repairs on underground supply pipes is like performing surgery blindfolded. Here's why:
What DIY Actually Involves
- Digging trenches 750mm-1350mm deep (UK frost protection depth)
- Potentially breaking through concrete/tarmac
- Locating the exact leak point (pipes don't leak along their entire length)
- Understanding pipe materials (lead, copper, MDPE all need different repairs)
- Meeting Water Regulations for repairs
- Properly backfilling and reinstating surfaces
Water Leak Between Meter and House Cost (UK Damage Reality)
Forget repair costs for a moment – let's talk about what ignoring these leaks really costs:
The True Cost of Delayed Action
- Water bills (3 months ignored): £300-£1,200 extra
- Subsidence damage: £5,000-£25,000
- Driveway collapse/repair: £2,000-£8,000
- Foundation undermining: £10,000-£50,000
- Neighbour's property damage: Potentially unlimited liability
- Mould remediation: £500-£3,000
- Lost garden/landscaping: £1,000-£5,000
I investigated a leak in Truro where the homeowner "couldn't afford" professional detection. Six months later? £18,000 for underpinning after their leak washed away foundation soil. That's why understanding professional water leak detection as preventive maintenance, not an expense, is crucial.
Insurance Coverage and Water Company Leak Allowances
Here's what insurance companies and water suppliers don't spell out clearly:
What Insurance Actually Covers
- Trace and Access: Finding and accessing the leak (£5,000-£10,000 typical cover)
- Escape of water damage: Damage caused by the leak
- Alternative accommodation: If property becomes uninhabitable
What They DON'T Cover
- The faulty pipe itself (wear and tear)
- Damage from gradual leaks you knew about
- DIY repair attempts gone wrong
Water Company Leak Allowances
Every UK water company must offer leak allowances under Ofwat regulations. Once your leak's repaired:
- Take a meter reading immediately after repair
- Wait two weeks, take another reading
- Submit repair invoice with readings
- They'll backdate bills to normal usage (usually one bill cycle)
- Wastewater charges often reduced too (water didn't enter sewer)
South West Water customer last month: £800 leak allowance after we found and documented their supply pipe leak. Without proper documentation? They'd have got nothing.
Why Is My Meter Box Full of Water?
This question deserves special attention because it's often the first sign homeowners notice:
Common Causes
- Leak at meter connection: Water company's responsibility
- Supply pipe leak near meter: Your responsibility (but free repair available)
- Surface water ingress: Damaged cover letting rain in
- High water table: Seasonal groundwater rise
Quick test: Dry the box completely, mark water level, check after 24 hours without rain. Rising water = likely leak.

Challenges Finding Leaks Under Different Surfaces
Not all leaks are created equal. The surface above determines detection difficulty and method:
Concrete/Tarmac Driveways
Most challenging. Water travels along pipe routes before surfacing metres away. Requires specialist slab leak detection. Breaking concrete without exact location costs thousands in unnecessary damage.
Garden/Lawn Areas
Easier but deceptive. Lush patches indicate leaks, but roots can spread water patterns. Clay soil holds water, making pinpointing difficult. Sandy soil lets water dissipate, hiding leak locations.
Under Buildings
Nightmare scenario. Often discovered through mysterious wet floors. Requires internal access, potentially lifting floors. Insurance claims get complex when structural damage occurs.
Block Paving/Patios
Misleading because water emerges at joints far from actual leak. Lifting blocks for access seems easy but matching replacement blocks proves impossible. Professional detection prevents unnecessary dismantling.
Preventing Future Water Leaks Between Meter and House
After finding thousands of these leaks, here's what actually prevents them:
Annual Checks That Matter
- Meter test: Monthly 10-minute check saves thousands
- Pressure monitoring: Sudden changes indicate problems (how to check water pressure properly)
- Visual inspection: Walk your pipe route looking for changes
- Insurance review: Ensure trace and access cover is adequate
- Know your pipes: Lead pipes need replacing (water company grants available)
When to Replace Not Repair
If your supply pipe is:
- Lead (pre-1970) – replace immediately, health risk plus leak prone
- Galvanised steel (1950-1970) – corrodes internally, replace when leaking
- Copper over 40 years – consider replacement if accessing for repairs
- Previous repair history – multiple repairs mean systematic failure
Modern MDPE (blue plastic) pipes last 50+ years. Replacement during leak repair often costs marginally more than patching.
Pipe Moling: The Modern Solution
Instead of digging trenches, moling creates a new pipe route underground:
- Pneumatic mole creates tunnel from meter to house
- New MDPE pipe pulled through
- Minimal surface damage (two small access pits)
- Typical cost: £800-£1,500 (less than traditional trenching)
- One day completion vs week of digging
Perfect when old pipes run under driveways or established gardens. We recommend moling over repair for pipes older than 30 years.
UK Water Company Specific Policies
Each region has different approaches. Here's what to expect:
| Water Company | Free Repair Policy | Leak Allowance | Special Conditions |
|---|---|---|---|
| South West Water | One-off free repair | Up to 100% of excess charges | Must be first leak, repair within 30 days |
| Thames Water | First leak free if accessible | Maximum 1 year backdated | Strict 6-week repair deadline |
| Severn Trent | Free if "simple" repair | Previous bill cycle only | Excludes concrete breaking |
| Anglian Water | Assessment based | Case by case review | Smart meter customers prioritised |
Found a Leak Between Your Meter and House?
Don't dig blindly or ignore it hoping it'll stop. Our non-invasive detection pinpoints leaks without destroying your drive or garden. With 30 years finding these exact leaks across Devon and Cornwall, we'll locate it quickly and provide everything needed for insurance claims and water company allowances.
Get Professional Leak DetectionCall 07822 025 911 for immediate advice
Emergency Actions If You Find a Leak Today
If you've just discovered a water leak between meter and house, here's your immediate action plan:
Priority Response Steps
- Don't panic: Most leaks have been running weeks – another day won't matter
- Document everything: Photos of meter, affected areas, readings
- Turn off at meter if severe: Only if flooding or undermining occurring
- Call water company: Report it immediately, ask about free repair eligibility
- Check insurance policy: Look for "trace and access" or "escape of water" cover
- Don't dig: You'll likely miss and cause unnecessary damage
- Get professional detection: Accurate location saves thousands in repairs
How Professionals Find These Leaks
Understanding our process helps you know what to expect. Here's exactly how we locate water leaks between meter and house:
Initial Assessment
Phone consultation determines urgency, likely cause, and best detection method. We'll ask about pipe materials, age, previous work, and symptoms. This pre-diagnosis saves time on-site.
Site Survey
Mapping the likely pipe route using:
- Visual indicators (stop tap location, meter position)
- Ground-penetrating radar for buried services
- Historical property data (age determines likely materials/routes)
Detection Phase
Systematic detection using appropriate technology:
- Start with acoustic detection for metal pipes
- Deploy tracer gas for plastic or difficult locations
- Confirm with pinpoint testing
- Mark exact location with spray paint
Documentation
Comprehensive report including:
- Exact leak location (GPS coordinates if needed)
- Photographic evidence
- Depth and pipe material assessment
- Repair recommendations
- Insurance-ready documentation
Critical Mistakes to Avoid
These mistakes cost homeowners thousands:
The "Wait and See" Approach
Every day washes away more foundation soil. A Cornwall homeowner waited three months – result: partial house subsidence, £32,000 underpinning, invalidated insurance (knew about leak, didn't act).
Other Costly Mistakes
- Following internet "hacks": Food colouring tests don't work underground
- Assuming it'll surface: Many leaks never show above ground
- DIY digging: Average 4 holes before finding leak, each costs £200+ to reinstate
- Cheap "detection": Builders with basic listening rods guess – you pay twice
- Ignoring small leaks: Pin-hole becomes burst pipe under pressure
Cornwall & Devon Specific Challenges
Our region presents unique challenges for water leaks between meter and house:
Granite Substrate
Devon and Cornwall's granite bedrock means shallow pipe burial. Frost damage more common, acoustic detection harder through rock. More exposed to temperature extremes.
Clay Soil Variations
Heavy clay expands/contracts seasonally, stressing pipes. Leak water travels unpredictably through clay layers. Surface symptoms appear far from actual leaks.
Coastal Corrosion
Salt air accelerates pipe corrosion within 5 miles of coast. Copper pipes fail faster, joints deteriorate quicker. Higher leak frequency than inland properties.
Historic Properties
Lead pipes still common in pre-1970 properties. Non-standard pipe routes in older buildings. Listed building restrictions complicate repairs.
Tourism Impact
Holiday homes with intermittent use miss leak signs. Frozen pipes in empty properties. Higher repair costs in peak season.
The Bottom Line
A water leak between meter and house isn't just about water loss – it's about preventing catastrophic property damage. The average UK household loses 3,000 litres monthly from these leaks. That's £50-£150 monthly on your bill, plus untold structural damage accumulating silently.
Remember: You're responsible for supply pipes on your property, but help is available. Water companies offer one-off free repairs, insurance covers trace and access, and leak allowances reduce bills. The key? Acting quickly with proper detection, not guesswork.
After 30 years finding these exact leaks, I promise you this: the cost of professional detection is fraction of the damage from delayed action. Don't dig blindly. Don't ignore it. Get it properly detected, documented, and repaired. Your foundations will thank you.
Professional Leak Detection Services Across Devon & Cornwall
Frequently Asked Questions
Can I claim on insurance for the actual pipe repair, not just the damage?
Standard home insurance typically doesn’t cover the faulty pipe itself (wear and tear exclusion), only the damage caused by the leak. However, some insurers offer optional “home emergency cover” that may include pipe repairs. Check if your policy has trace and access cover – this covers finding the leak but not fixing the pipe. British Gas HomeCare and similar service plans often include supply pipe repair coverage.
