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 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? What is covered by insurance? I use EBM (pinging @brettc ) Based on the PDS line item below, potential cover would be Plumber cost (to identify cause of leak) Replacement of the tub? Likely not covered: Damage to carpet? Any other items other than tub? i.e. tiles, labour?