Does home owner's insurance cover a leaky drain pipe from a bathtub that causes water damage to the walls?

Answer

If you have an "all-risk" policy or a "named-peril" policy with water endorsement, damage due to a leaking tub drain is probably covered IF you reported it immediately upon discovery, and IF you called a plumber to fix the leak. The actual pipe repair is not covered, but the water damage should be. NOTE: Water damage due to grout failure is normally not covered, and can cause damage to the same areas. Be aware that this type of water claim counts against you. Several claims of this type may cause your company to non-renew your policy.

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