Because ground water would have a hard time draining if the sub soil drains were on the roof or acting as gutters
It depends on what type of insurance policy you have. Just call your insurance agent and ask.
If it is at the surface of the foundation, chip away enough of the cement to expose enough of the pipe to work with. An inch or so. If it is somewhere else in or under the foundation, you bust out the foundation and repair it or run a new line above the floor.
Yes
You will have to remove the concrete above and around the leaking pipe. All or some of the pipe may need to be replaced. If your house was new in the early 1980s, the PVC pipe that was used has been found to be generally faulty.ANS 2 - FIRST - make sure it IS under the concrete. In my experience this hardly ever happens unless the foundation has cracked, or building settled considerably.
under ground behind your house.
Any pipe that is in an unheated part. A very common place is under the kitchen sink either directly under the sink or just under the floor. A gap between the foundation and the house or where the drain may go in the wall. Either place can be lacking in insulation and allow pipes to freeze. Any pipe that is in or against an outside wall should be looked at on an individual basis.
Use only black pipe
Yes, you can attach PVC pipe to ceramic pipe with a fernco. You just have to make sure the inside diameters of the fernco match up with the pipes you are joining.
Rain
Frozen pipes? Didn't pay the bill? Check the pipes from the foundation to the first faucet and see if there is a draft. Very often where the house meets the foundation there is a gap and a pipe can freeze. If the pipe is next to the wall, it doesn't take much. Plug the hole and wrap with heat tape.
Drainage, sewerage, nearly every thing that P V C pipe is used for today
Saudi Vitrified Pipe Company. A maker of ceramic pipes in Saudi Arabia.PVC pipe is Polyvinylchloride (a "plastic") pipe used worldwide for water and sewage.