I recently returned from a trip to find the shower head had snapped off, and when I investigated, I discovered significant water damage behind the shower. It turns out the drain is misaligned and leaking into my crawl space, but I'm not sure how long it's been happening. I was advised to file a claim with my homeowners insurance to fix the damage, but State Farm seems to imply that they won't cover it. Has anyone else dealt with a similar situation? The shower head issue hasn't damaged the wall, but I know the drain has definitely impacted the subfloor and joists.
1 Answer
Most homeowners insurance policies typically don’t cover maintenance issues like long-term leaks. They usually only cover damage from sudden events, like a major burst pipe. It's worth checking your policy details, but if it looks like this has been an ongoing issue, they may not help. Good luck!
That’s really frustrating! I bought my house last year too, and it passed inspection. A plumber just told me that while everything looked good, an offset drain could be causing problems. It's such a headache!