Find the boundary first
One test separates two completely different jobs
A rising water bill with no change in habits has exactly two categories of cause: something leaking inside the house, or the service line between the meter and the building. Those are different trades of work at different prices, and there is a simple test that tells them apart before anyone starts opening anything.
Close the main shutoff at the house so nothing downstream can draw water, then watch the meter. If the dial still creeps, water is escaping between the meter and that valve, which is the service line. If it stops dead, the leak is inside: a fixture, a supply run, or a slab leak. Five minutes, no equipment, and it decides which specialty the job belongs to.
Service line work also comes with an ownership surprise worth knowing early. The utility owns the main and the meter; the property owner owns the line from the meter to the building, including the part crossing the parkway and running under the driveway. So a failure on public frontage is generally still your bill, and the boundary for your specific address is worth confirming before work is scoped.
From there the decision is repair versus replacement, and it turns on material and history. A single mechanical injury in a sound line is a located spot repair. A sixty-year-old galvanized service line leaking from general corrosion is a replacement, because repairing one section of it just moves the next failure a few feet along.
Talk Through the Meter Test
Do the test before you call if you can. Knowing which side of the meter it is on saves a whole appointment.