[Stu from NYC]

Originally Posted by retiredguy123

It depends. Typically, insurance will cover a sudden leak, but will not cover a slow leak, but it is a gray area. I have found that insurance adjusters are often pretty generous when evaluating these types of claims. A friend of mine got a check for $5,000 to replace inexpensive vinyl flooring in the kitchen and to paint the walls, even though the leak had been going on unnoticed for some time. If you need to tear out the floor or walls to access and repair a leak, they will pay for the tearout work to locate a leak, water damage, and for the replacement work. But, they will not pay for the plumbing work required to actually fix the leak. At least that has been my experience over the years. If you suspect you have a leak, I would highly recommend contacting your insurance company before doing anything.

Interesting.

However unless the damage is well into the thousands would be very hesitant making an insurance claim. Heard to many stories of a claim or two and bye bye homeowner insurance