First, prove there is a leak
Before anyone opens anything up, it is worth confirming that water is genuinely going somewhere. Toronto properties are metered, and the meter makes a decent test instrument. Shut off every fixture and appliance, including the ice maker and any humidifier, and note the reading. Leave it an hour with nobody using water, then read it again. If it moved, water is leaving the system somewhere inside the property.
That one test separates two very different problems. A meter that creeps means a leak on the pressurized supply side. It runs day and night and it gets worse. A meter that sits still while damp keeps appearing means the water is coming from a drain, a fixture seal, an appliance, or condensation, and only shows up when something is used. The second kind does far less damage per hour and is much harder to catch in the act.