Insurance will pay for access to the damaged plumbing, and putting bathroom back together. They will not pay to have the plumbing fixed though. To take care of your client have them hire a contractor to access and replace everything.
They'll need to hire a plumber to repair the plumbing only. The insurance will pay everything but the plumber.
If the plumber has to take apart plumbing to access the failed pipe, have him write up the reason he moved plumbing to access failed plumbing and if worded that it was to access the failed plumbing, the insurance should even pay for this part of the plumbers bill.
The plumber would have to be willing to write up the repair to satisfy the insurance, so you'd need to find a plumber willing to do so.
If the tile breaks and cannot be matched, they'll pay for all the floor tile to be replaced too.
Years ago it was hard to find contractors knowledgeable about insurance claims. With the bad economy many contractors know how to do this kind of work now.