You need to check with your insurance policy to see what you are and are not covered for. Most insurance companies won’t cover escape of liquid if it’s caused by a lack of maintenance, failed water-proofing, white ant damage or illegal/non-compliant workshop or materials.
This means if you have a leak from a shower or wet area that goes undetected for too long, you may not be covered for the cost of repairs. This means that your repair bill for a few thousand dollars becomes your problem.