IDK... it seems like the only 'reward' for staying with one insurance company is constantly higher rates.... Like 8 years back we had Liberty Mutual for cars,Amica for house. Then Lib. Mut. skyrocketed for no reason,and we switched over to Geico for cars (so much cheaper) meanwhile Amica for house was creeping upwards yearly.... (15 years!) for no reason on our part. Just switched it all back to...Liberty Mutual! As I found an agent that got me the best discount on house and cars over both my current companies! Go Figure! It makes me suspect that the lower rates are a result of changing companies![/QUOTE
First and especially when you move to a new state you should shop around for insurance not just pick one but multiple... yes time consuming.. I start would be seeing who your neighbors use and who they had experience with in that area. As far as insurance covering a leaking tub and shower... you can appeal the answer BUT insurance companies in general cover damage from a problem not defective products or poor workmanship. There are some exceptions like if you can prove you had the tub installed last year and it is an issue as your insurance company will sue the installer. However you may want to check your contract from when you bought the house as in general plumbing is covered for one year especially a pre existing problem unless this was changed in your contract.
On a side note I can not understand why both a tub and shower stall will leak unless it is the plumbing in the wall. A few things to check as it may just be one? the chalking around the tub against the walls and floors same in shower stall. See if the sheetrock behind the tile on the wall is soft (press on the tile but be warned it can fall off if this is the case) as then water is getting behind it and the builder may have used regular sheet rock and not at least green board ideally cement board.... Lastly because you had one plumber out who may or may not be a good plumber and did not take the time to solve the issue do not think another may not solve it.. (ask neighbors for who the use for a plumber) You may also consider it time to redo the bathroom yes can be expensive but in the end it should solve your problems without spending $$ to fix the issue and have the same bathroom or at least just have the tub and shower stall redone.
Liberty Mutual is who we're with. I was talking to my Mom the other day because she was with Liberty Mutual for 30 plus years (also never made a claim) but when they retired and moved, the rates went up so high. My parents were good about taking the senior driving class, etc. but in the end, it was just too expensive.
Stuck with Liberty Mutual when we moved to a new state because we had a 30 day close on the house. Time crunch is an understatement. And, at the time, they were most reasonable. My husband was already living in Georgia (new state) to start his job and me and my daughter would follow once she finished school year. So, had dual insurances (auto and home) in two states because we didn't sell our home yet. I've asked our neighbors and responses vary greatly. That's where I got the idea of going to an insurance broker. We are certain it's not plumbing. The tub only leaked when the Jacuzzi jets were on. The shower leaks on two corner areas on the floor. Due to the water, we had to remove ceiling in our garage and all plumbing, fixtures, etc. are exposed. Had three plumbers out and they all said the same thing. The tub and shower are separate. On different ends of the room. The bathroom (tub and shower) is not usable. It's a re-do and we have considered making more updates to the bathroom since so much work goes into fixing tub and shower (though we will remove that tub and never put a jetted tub there again). The tub and shower are all surrounded in tile, including the floor and keep in mind, like I said, the tub and shower are on separate sides of the room) and it's a large bathroom. Quotes for a bathroom re-do so far has been as high as $48,000. Can't afford that right now.