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While tubs are fairly sturdy, you may notice cracks or holes. This kind of damage can happen from someone accidentally dropping something heavy into the tub. You might also see damage if you drop something heavy into the tub over and over again (like your extra large bottle of body wash). While you might only notice a small dent at first, this can later turn into a crack or a hole.

Also, certain cleaners that are harmful to your tub can cause damage. And if you have a fiberglass tub, you might see cracks if it was not installed properly with the right support.

Most homeowners and many renters insurance policies cover the cost of damage from a burst pipe, as it is typically considered a sudden and accidental event. This coverage often includes not only the plumbing repair itself but also the cost to repair or replace other parts of your home damaged by the water, such as drywall and flooring. However, every policy is different, so it is wise to consult your insurance company to understand the specifics of your coverage and any potential out-of-pocket costs.

If you notice your main water shut-off valve is leaking, try tightening the valve slightly to see if it stops the leak. If the leak persists or worsens, it’s best to contact a licensed plumber to assess and repair the valve. Using too much force or attempting a DIY repair can further damage the valve.

Homeowners insurance usually doesn’t cover sewer backups because it’s typically an avoidable problem with proper maintenance. The only exception would be if the backup is occurring because of local flooding and only if your city uses a combined drainage system for stormwater and sewage. If that’s the case, your policy should cover any resulting damage.