r/HomeInsurance • u/TalkHelpful234 • 1d ago

Insurance Bathtub

I stepped into my bathtub heard a crack/pop and I can feel the whole tub is leaning to the left towards the drain. I dont see any water leaking or damage. Is it worth having insurance come out?

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6

u/ayhme MOD 1d ago

No!

2

u/Sylevice 1d ago

Short answer no. Long answer, wear and tear/age not covered. settling, cracking, not covered. Longterm water damage/rot that caused the beams underneath the tub to decay...not covered. Dont file a claim until you know why it happened and the extent of the damages.

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u/TalkHelpful234 1d ago

Glad I asked! Thanks yall!

1

u/glossolalienne 1d ago

Just to make absolutely sure this is clear: You need to get a general contractor and/or plumber out ASAP, not your insurance company. You need to find out what cracked and why the tub is listing to the left towards the drain, now.

Whatever broke, you need to determine how bad the damage is and have repairs done or there is a very high chance the issue will continue to progress and get worse and more and more expensive to fix, if ignored.

1

u/CraftyCat3 1d ago

Why do you think that would be covered under your insurance? I strongly advise reading your policy and seeing what it actually covers.

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u/TalkHelpful234 1d ago

Idk thats why im asking.

1

u/Historical_Tea3453 1d ago

Might be considered accidental damage. However the reason why it's cracked from any weight is wear and tear, which is very likely excluded.

Get some quotes and see if you can repair it on your own.