Leaky Bathtub - Does insurance cover this?

Ok... so the last IP had a really bad leak going through the hallway carpet (pretty much soaked the entire thing). Plumber suspected it came from the bathtub (it has holes). He patch it 2 weeks ago with silicon and the leak start happening again. Several questions

1. What is the long term fix for this? Rip the entire bathroom and do over? I assume if I'm replacing the tub, we will also need to retile and re-waterproof?
2. What is covered by insurance? I use EBM (pinging @brettc )

Based on the PDS line item below, potential cover would be

1. Plumber cost (to identify cause of leak)
2. Replacement of the tub?

Likely not covered:

1. Damage to carpet?
2. Any other items other than tub? i.e. tiles, labour?

 

Insurance will usually cover everything if it leaking from a pipe.

 

Will need to see what plumber said - so far it looks like leak from bathtub

 

From the excerpt from your policy I can't see why they wouldn't cover it. Unless the leak was gradual. That said if the carpet was becoming soaked, it seems more like a burst more than a leak.

In terms of fixing...how it the bath fixed in place? does it have a lip that is tiled in. You could probably get away with just a repair to the area after a new bath is installed and water proofing. Whether you do the whole bathroom or not is up to you.

You'll have to bite the bullet at some point to lodge your claim. Just make sure the plumber has their assessment aligned to policy definition. Depending on your insurer will also determine how they asses the claim, ie inspection required or not.

 

From pic, it is a hole in the middle of the tub (it/s a shower/bathtub all in one)

Initial plumber report 2 weeks ago:
On inspection, found a large amount of water through the hallway outside the bathrooms which (we were advised) has progressively worsened over the last 2 months. Further investigation found a hole in the bathtub and leaking basin taps - these issues were both rectified.
Accessed the ceiling via the manhole and found copper pipes running through the ceiling and no visible signs of any leaking issues. Carried out pressure testing on the hot and cold water lines and found both to be holding pressure. Drilled a small hole at the shower to determine if there were any leaking issues within the cavity - no signs were found through the top half.
Checked the laundry and found no signs of water stains where it backs onto the shower area. Also exposed all tapware spindles at the shower and bath - no signs of any leaking issues behind the tiles.
We have advised the tenants to monitor this issue and note any changes.
We would suggest having the hole in bath permanently repaired by a bath repair company.

 

Really difficult to have a proper view on this without having all the details in a submitted claim. There are certainly things there that are potentially claims so it would be best to get one in so that our claims team can take a proper look at it. You can do that over the phone if you wish on 1800 661 662 or by going to our website for a claim form at www.rentcover.com.au