How do I tell whether a leak is on the utility side of the meter?
Close every fixture in the house and watch the meter. If the meter still turns, the water is leaving the system somewhere between the street and the meter or at the meter itself. If the meter stops, the leak is on the house side. The check takes a few minutes and should be repeated before deciding.
Write the meter reading at the start and again after an hour with every tap off. Note the time and the weather, because cold ground and a thaw can change where the water shows up. A small change may be a toilet still filling, so check the toilets and the water heater before reading the meter as a leak.
Compare the wet area with the line from the meter to the street. A wet patch that sits over the line, or that follows it toward the house, is more likely to be on the utility side. A wet patch that sits under a floor or behind a wall inside the house is on the house side, whatever the meter shows.
Who pays to repair a service line leak?
The utility repairs leaks on its side of the meter, and the owner repairs leaks on the house side through a plumber. The line between them depends on the service and on the property, so the first step is to ask the utility which side of the meter it maintains for your address.
Questions about a bill for water that leaked are for the utility, not for this company. This company does not bill for water, does not set utility rates, and cannot change an account. The utility's own customer service is the place to ask how a leak adjustment is handled for your account.
Repairs on the owner's side are the owner's cost, and the cost is set by the plumber who does the work. Ask the plumber for a written scope and for the credentials the job requires before the work begins, and keep the written scope with your record of the leak.
What happens when water from the service line reaches the house?
Water from a service line is usually clean at the source, but it can carry soil and debris once it has run through the ground. The crew treats it as the category the readings suggest, and it removes the water from the floors and crawl space before drying.
Water that has travelled under the house tends to rise into the floor structure and the foundation wall. The crew checks the sill, the subfloor and the crawl space insulation, because those are the parts that take up water from below rather than from above.
The drying plan follows the path. Moisture is measured in each place the water went, and the equipment is set to match the readings. A house that is dried from the top down, when the water came from below, is still wet in the parts that matter most.
What does the utility need from me to investigate?
The utility needs the address, the meter reading, the time you first noticed the water and the place where it is showing. Photographs of the wet ground and of the meter help. Give the information on the utility's own line, and keep a note of the call.
If you have been asked to hold the meter reading or to avoid digging, do so until the utility has been on site. Digging near a service line without knowing its location is dangerous, and it can make the leak worse.
Keep your own copies of the readings and the photographs. Those records help if the leak is later disputed, and they show when the water was first noticed rather than when it was reported.
Why is the first question about the meter at all?
Because the meter decides who fixes the pipe, who pays for the repair and which crew is needed first. A house-side leak needs a plumber and a drying crew. A utility-side leak needs the utility before any house drying can start, because the line can keep running while the house is being dried.
The crew asks the meter question on the first call, because the wrong order costs time. Dispatching a crew to dry a house while the service line is still running wastes the crew's visit and the owner's money. Dispatching a plumber to a house-side leak while the utility is still digging is wasted too.
The answer is not always clean. In some places the meter sits inside the house, and in others it sits at the street. The crew does not assume either arrangement. It tells you what it can see, and it tells you who to ask about what it cannot.