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Clear water is usally covered on home ins. Call your agent and tell him there is a crack in the tub. But don't say anything about it possibly already existing.He will be able to tell you for sure.But most likely it is. Clear water is water pipes, tubs,showers, waterheaters,etc. Rain, and such is consider dirty water and would be flood ins.Thats not your case you have a clean water prob.

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Q: Would anything be covered if a crack in a tub is leaking water into your downstairs bathroom and there may be structural damage?
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