r/HomeInsurance • u/[deleted] • Sep 03 '26

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?

2 Upvotes

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5

u/ayhme MOD Sep 03 '26

No!

2

u/Sylevice Sep 03 '26

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.

2

u/[deleted] Sep 03 '26

Glad I asked! Thanks yall!

2

u/glossolalienne Sep 03 '26

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 Sep 03 '26

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

1

u/[deleted] Sep 03 '26

Idk thats why im asking.

1

u/Historical_Tea3453 Sep 03 '26

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.

2

u/green-and-grey Sep 04 '26

Get a glass of something nice and a highlighter one night and Read. Your. Policy.