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If your shower leaked and caused mold in the wall and wood do you need to report this to your insurance or fix it yourself?

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Hush-hush, mush-mush I would keep quiet about it. Depending upon your state or local laws, the insurance company may be required by law to report mold problems to the proper authorities for professional remediation. Assuming the mold is severe, rip everything out right down to the studs. Replace the really bad studs. Replace the floor and sub-floor if you must. Good luck. If you have homeowners insurance, I would call your insurance company and ask if it's covered under your policy. If not, then you will have to DIY.
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