Why do i have to pay the plumber myself when im insured?

i have a unsolved leak in my bathroom, the plumber is trying to work out where it is coming from, but is unsuccessful so far. i have contacted my insurance company and they will repair any damage, but will not pay for the leak to be fixed, why not?? It is looking like it has been a long standing problem,... show more i have a unsolved leak in my bathroom, the plumber is trying to work out where it is coming from, but is unsuccessful so far. i have contacted my insurance company and they will repair any damage, but will not pay for the leak to be fixed, why not?? It is looking like it has been a long standing problem, originating from original installation, we only bought the house 3 years ago and have been unaware of problem, so how could we have repaired it? im confused!
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