Bill,

While it may not hurt to speak with your insurer that's not what I meant.
You need to speak with the plumber's and the builder's insurers. And follow
up with a letter to the person you speak with. But first buy an hour or two
of a lawyer's time and get advice about your local laws and your chances for
a successful suit or settlement and a good strategy. Obviously it will be
cheaper to settle than to sue. Since you do not know what damage these leaks
have done you can't yet presume that this is a small claims case.