Is Floor Rot From Rain Covered By Insurance

Floor rot because it can be prevented by regular maintenance often falls under the normal wear and tear or negligence exclusions in your insurance contract.

Is floor rot from rain covered by insurance.

A standard homeowner s insurance policy will cover water damage from rain as long as the storm had opened up a hole in the roof causing the water to leak in. If you are able to relate the rotted floors to a flood or possible storm damage these are covered perils with your insurance carrier. Even if the roof leak is caused by a windstorm or a tree. While the resulting damage to carpet flooring and dry wall may be covered by the insurance carrier the slab foundation and roof leaks would not be covered.

A standard homeowners insurance policy will cover water damage and roof leaks unless they re the result of gross negligence on your part. The flood insurance is something that you purchase as an add on to your homeowners standard plan but the storm damage comes standard. However you may be able to file a claim under specific circumstances. Similarly water entering through a roof leak that has shingles and tiles that have not been maintained for a good number of years is the responsibility of the homeowners.

Typical home insurance policies provide coverage for damage that is sudden and accidental. So in other words dry rot is not a covered peril. Best home insurance offers for you wood rot of floor joists is typically not covered by a homeowner policy unless it can be tied directly to a covered event. Dry rot is something that happens over a period of time and really falls on the homeowners as part of maintenance of his or her property.

You should go ahead and file the claim as you normally would providing the reasons for why the carrier should reimburse along with any type of documentation to support your claim. A leaking roof or burst pipe might both conceivably result in a parallel dry rot problem.