That sounds like a maintenance item that would be the homeowner's responsibility. Insurance covers damage, not normal wear and tear or deterioration.
On wiring a house it is common practice to have other circuits in the wall cavity passing by the built in shower stall. Electrical outlets that face outward from the shower stall wall that service another room is also common practice. There is no danger from electrical shock as the shower is isolated from the wires by wall board and usually ceramic tiles that make up the shower stall or in some cases a fiberglass shower enclosure.
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