Household insurance, leaky showers and ripping out the bathroom.
We have had a leaky shower for sometime. Had builder round when first had drips through the ceiling...resealed the silicone. Worked for a bit. Then back. Noticed some cracked grout..fixed. Leak gone for a bit. Now back. Resealed all of it. Ditto, fixed then back. We literally do not know what to do next. Short of ripping up the floor (tiled) pulling up the low-level shower tray...which could potentially mean having to redo the whole thing. For on what I can tell the current tiles are now discontinued. So we would need to retile whole room with something new.
Now to the reason for my post. Would this be covered under my household insurance? Is it even worth contacting them? Am wary of doing so on the off-chance, as did that once before for something that turned out to be a £50 fix...but because I had made an inquiry, despite not pursuing past one phone call, they put my premium up for about 2 years.
Has anyone had similar and been covered? Sorry is such a basic and dull question but never really used the household/buildings insurance for anything before (apart from the non issue which cost me in hiked premiums anyway).
Thank you if you can be bothered to reply.