Exclusion of Wet Rot—Homeowners

We have an unusual situation and would like your opinion. Our homeowners insured's bathtub was improperly installed when the home was built. The joist under the tub does not reach a pier, which has caused the tub to shift downward away from the tub surround. Water over a long period has caused the floor to rot, which extends into the adjoining den. The insured had duct tape covering a one-inch gap between the tub and surround.

We agree that the rotten subfloor is not covered, but what about the cost to remove and replace the tile floor, tub surround, and den floor?

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