It depends on your policy and the cause of the leak.
In Western Australia, most home insurance policies will cover sudden and unexpected damage, such as a burst pipe or a failed fitting that leads to immediate water damage.
However, leaks caused by wear and tear or lack of maintenance are usually not covered. This includes issues like deteriorated grout, failed silicone, or waterproofing problems behind the tiles.
In some cases, your insurer may cover the resulting damage to walls or flooring, but not the cost of fixing the actual source of the leak.
If you’re unsure, it’s best to review your Product Disclosure Statement (PDS) or speak directly with your insurer. Our team can also inspect the issue and provide a clear report to help you understand what repairs are needed.