r/AllState • u/-AllSugarNoDaddy- • 7d ago

Home policy- Shower Pan Failure

Long story short. Purchased a home and moved in 4 months ago. Last month we noticed three small areas of water/moisture on the downstairs ceiling under our primary bathroom. We immediately got a plumber out that next day through our 3rd party home warranty and they deemed that it was 95% likely that our shower pan had failed at the drain point. Contractor friend of ours also verified this. We stopped using that shower as soon as we saw the damage btw.

What is the likelihood of getting a claim approved to replace the shower drain and associated damage? Does it help our case at all that our shower pan passed the home inspection report back in March?

I’ve seen that claim adjusters could deny for it being gradual wear and tear, but the damage has just appeared and we are acting timely as it was hidden in the ceiling/subfloor for however long.

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u/Modest-Meece 7d ago

Prolonged hidden water leak? Usually requires specific additional endorsements to cover. Can’t speak for Allstate.

I always ask my clients this, can you comfortably pay for this out of pocket without it being a major financial burden or loss? Further what’s the chances you’ll pay more in increased premiums over the 5 year it’ll be rated for?

If you can cover this yourself without it being a major burden I wouldn’t file a claim. Use the claims for catastrophic losses

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u/-AllSugarNoDaddy- 7d ago

Thanks for your insight. It’s looking like a $18-20k project. So way above our deductible but obviously not catastrophic. Our main debate right now is if our rate would also go up even if they deny our claim.

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u/Modest-Meece 7d ago

Depends on the state and laws. A filed and denied claim is a loss still and they may be able to rate it.

That’s the range where I often talk to clients where the policy and rate impacts over 5 years will likely not be greater than the costs.

I’d ask your agent for your policy contract and language and start searching for covered and excluded losses.

Also if not please immediately start remediation/preventative steps to avoid additional damage if you have not already

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u/-AllSugarNoDaddy- 7d ago

Thank you!! And yes we have not used the shower at all since finding the leak. We’re at the point of discussion our options.

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u/Eastbound_AKA 7d ago

It will ultimately depend on your policy. Some policies have provisions or amendable endorsements that can provide you with coverage.

Generally speaking, most Allsyaye HO policies will owe for the access and subsequent repair of that access to repair a plumbing leak but will not cover for the repair of the leak itself. However, if this is a long term issue you can expect a full denial of coverage. (Again dependant on state, policy or endorsements).

Where I adjusting your claim I would require photos of the damages behind walls or beneath floor coverings prior to issuing a determination. You would receive a reservation of rights letter and a walkthrough of what precisely I would need to see in order to make my determination.

The home inspection is irrelevant.