I have a situation with the base ( external side ) of my shower, which has been growing a rather nasty wool like fungus for quite awhile now. I do wipe the fungus away regularly with disinfectant but the horrible growth reappears rapidly and is getting progressivly worse. My plumber is pretty certain that a pipe has burst underneath, and, due to the extreme cold in the room, all year round, suspects the situation has been like that for quite awhile, but because the entire room is tiled , floor to ceiling, the only visible effects of the pipe burst, is the furry white fungus He states I should be entitled to claim on my insurance for the work. However, will the insurance company pay out when all that can be seen, is just the fungal growth, no physical evidence of flooding water ? Some years ago, during winter there was a big freeze in the area where I live, due to this a couple of pipes burst and my kitchen was flooded. My new plumber stated at the time that the pipes had not been lagged which they should have been, in particular as I live in a greatly exposed, high altitude building. ( I did, incidently, originally, ask, that the piping be lagged, but my request was flatly ignored ...) As the shower was installed by the same people who installed the pipework in my kitchen it would appear the same thing has happened again, except the flooding water is hidden beneath the base ( Please note : the base was totally filled in with cement, there is no access area, so the whole thing will have to be smashed to pieces to access the pipes, which will be time consuming and expensive. When I made the claim years earlier for the burst pipes in my kitchen my insurers were somewhat reluctant to pay out, even though many, many other households were hit by the big freeze in the locality ! They paid out eventually, but only because the rest of the nation was awash with flooding in their homes, so they had little option but to fork out ! However, now, I stand alone with burst pipes hidden deep down under thick cement and behind a strong barrier of tiling. The weather is not freezing, and no other homes are affected .... What is the best way for me to approach my insurance company to ensure I get a fair result, regards this particular, it would appear, rather longstanding, issue ?