The bath tub in my condo overflowed, damaging the ceiling of below unit. Is this covered by my homeowner’s insurance?

Whether your homeowner's insurance covers the damage caused by your bathtub overflow depends on the specifics of your policy and the cause of the incident. Typically, a standard homeowner's insurance policy covers water damage resulting from sudden and accidental incidents, such as a burst pipe or an overflowing bathtub. However, policies differ, and some may have exclusions or limitations for water damage caused by negligence or long-term wear and tear. It's best to check the details of your policy or speak with your insurance agent to confirm what is covered. If the damage caused by your bathtub overflow is covered by your homeowner's insurance, you may need to file a claim with your insurance company to receive compensation for the damage. Your insurance company may investigate the incident and assess the extent of the damage before approving the claim and providing you with the appropriate compensation. It's also important to note that if the damage caused by your bathtub overflow affects another unit or property, your insurance company may seek subrogation from you, which means they may try to recover the compensation they paid for the damage from you or your insurance policy. In any case, it's essential to notify your insurance company as soon as possible to initiate the claims process and prevent any further damage from occurring.