When it rains, it pours.

I spent 4 hours today removing the floors, walls and fixtures from the bathroom.  Under the floor tiles I discovered 1/8″ of water.  The water is leaking from underneath the bath tub, and has spread out through the walls into the bedroom on one side and the kitchen on the other side.

I’ve spoken to my insurance company and they said it isn’t covered by homeowners insurance because it was an ongoing leak, and so I will have to now replace all of the walls, floors, plumbing, kitchen cabinets (which are brand new), bamboo floor in the bedroom, and the entire bathroom.  I estimate that it will cost upwards of $20,000.  I will have to stay in a hotel.

I only have $1300 in my bank account.

If luck existed, I’d be really bad at it!