I bet a week doesn't go by that one of our insured's calls in and says that their shower has been leaking and they have to replace the floor under it. They said the plumber said to call and see if insurance covers it.
I think the plumbers just want to get out deflect the heat after they have given the estimate! Unfortunately this is not covered. If a leak occurs over the course of "weeks, months or years" it is excluded from coverage. A leak that is "sudden and accidental" is covered. If your water line springs a large leak goes into your floor causing your floor to bow then that is a good indicator that it is something that will be covered. If it is something like a slow leak that seaps through the tiles of around a pipe fitting it is probably not going to be covered.
So what can you do? Well here is a web site that gives a little advice on finding leaks before they become a problem http://planetgreen.discovery.com/home-garden/check-water-leak.html.
I guess the moral of the story is to be proactive and look for problems before they look for you!
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