had this happen because the "shower pan" ( or whatever the plastic liner is underneath tile) was insufficient and developed a leak that showed up 10 feet away in my closet. had been going on a while. biggest issue you may need mold remediation, which may not be covered. shower pan may not be covered either. if you have drywall I would be sure to look at that ( behind kickboards) if you have a bathroom or closet behind a door.we took out 12 inches of mine all the way around until we stopped finding mold.......
my remediation/ remodel person helped with the insurance claim and we got as much covered as possible.


WDE