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Sometimes, your insurance policy may cover leaking toilet repair. However, home insurance policies typically do not cover any plumbing problems. They do cover water damage caused by a busted pipe or a major leak. Some insurance companies also have riders that expand your initial coverage to include plumbing items. Talk to your agent for more information.

If you don’t replace a toilet flapper, your toilet tank will continue to empty and fill repeatedly, wasting water and running up your utility bills. Checking the flapper is a good first guess when dealing with a constantly running toilet. However, if these problems continue after replacing the flapper, you may need to hire a plumber to check and fix any bigger problems. 

The water in your toilet tank refills after each flush. So if you see dirty water in the bowl, you should check the tank to see if it’s coming from there. A dirty toilet tank can be the result of sediment in the water itself—-after all, the water will sit in the tank between flushes and can cause the interior to change into a dingy color. Faulty toilet components, like an old flapper, corroded tank lever or chain, or damaged seals, can also lead to dirty water as the materials break down inside the tank. You can clean the toilet tank or change out the old parts to give it a fresh start.

The average cost to hire a plumber is typically between $45 and $200 per hour, with a common average rate around $125 per hour. This cost can vary based on your location, the plumber's experience, and the complexity of the job. Rates are often broken down by experience level: an apprentice may charge $45 to $90 an hour, a journeyman $60 to $110 an hour, and a master plumber $80 to $200 an hour. While hourly rates are standard, some plumbers may charge a flat fee for routine projects or offer project-based pricing. It's also common for plumbers to charge a minimum service or trip fee. For reference, some typical flat-rate costs for common jobs include: drain unclogging ($220), leaky faucet repair ($270), burst pipe repair ($400), toilet repair ($300), and water heater repair ($600). Note that these rates are for standard service hours; emergency, holiday, and after-hours calls will cost significantly more.