In 2014 the wife and I had some carpet replaced with hardwood. Recently, I noticed some buckling in the hallway. I called the installer and he said that it most likely was caused by water. I was doubtful as at a glance there was no damage in the restroom (half-bath). I crawled under the house and sure enough there was water puddled on the plastic in a few places. Then, upon close inspection we were able to detect damage in the restroom. About midway through Saturday the hardwood in there began to buckle. I had already turned off the water to the toilet. It seems as though the water was coming from the supply at the tank connection. There was some flash around the hole in the tank which I removed and put a new gasket and also a coating of sealer. The leak continued. I suspect that there is a hairline crack in the tank and the water has been running, invisibly down the supply line and under the hardwood. There has never been any water puddling in the floor at all. I am told that if it is determined that the leak has been present for a number of weeks (they're not real clear on how many, surprise, surprise) any claim will likely be denied. If the repairs are only marginally greater than the deductible, that's fine. But, if I'm looking at $5K in repairs I intend to file. I don't see how a claim can be denied when there was no visible water to indicate that there was a leak. Even in the area where the source passed through the floor, there was no accumulation. I pay premiums on five cars and two homes. I'm going to somewhat unhappy if they try to blow me off.