Claim Investigation Expenses—Whose Responsibility?

A question has been raised as to who is responsible for the expenses associated with a claim investigation. Please comment on the following:

#1. The insured reports a “problem” with the plumbing system. There is no physical damage, just a decrease in water pressure. A plumber inspects and determines it will be necessary to open the concrete floor in order to ascertain the nature of the problem. It is determined that the drain pipe was simply clogged. Is the cost to open the floor covered?

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