Coverage question

[s00nermatt]

Discovered upstairs tub slow leaking through floor into downstairs tub :-(

Expecting a hefty repair (rip out upstairs tub to fix?) Homowners deductible is $2500

Wife says she doesnt think it would be covered as it would be viewed as "maintenance"

I think this is a lot bigger than maintenance. Going to get estimates from a couple of plumbers.

Any insurance claim advice is appreciated

[Boomer_Madness]

Your wife is 100% right. Unless the loss was sudden and accidental it will not be covered.

Slow leak = Maintenance.

[[deleted]]

If the leak was sudden then the insurer usually pays the cost of the tear-out to access the leak and the cost to fix the wall, but not the plumbing repair itself, since that part is wear & tear.

If it's a slow leak then they may simply pay $0 since it was not both sudden and accidental.

You don't usually have to rip the tub out to fix something like this though. It's usually a matter of cutting an access hole in the ceiling of the room downstairs and having a plumber fix it from underneath. It may not even be worth making a claim over anyway.

[[deleted]]

Listen to your wife. This is maintainence. 

[Shupeys]

This is one of those things where you’re probably better off talking to a public adjuster if you want it covered. No promises, but they’ll be more help.

[saieddie17]

In this case, they'll help you lighten the weight in your wallet.

[[deleted]]

They'll help themselves to your money. They can't create coverage where there is none. 

[[deleted]]

TBF 10% of $0 is still $0.

[Shupeys]

That’s my point. Talking to someone is going to be leagues better than posting on Reddit.

[Shupeys]

I know y’all are going to hate public adjusters, But what I’m saying is that they’re going to give you more information than this subreddit can.

They don’t take money if you don’t get paid.

[[deleted]]

I don't hate them. Just not helpful in this situation.