Does Homeowners Insurance Cover Rotted Floors

Those your homeowners insurance company accepts and those it rejects.

Does homeowners insurance cover rotted floors. Dwelling protection one of the basic coverages of a homeowners insurance policy is dwelling protection which helps cover the structure of the home in which you live e g. In that case your home insurance policy will likely pay for mold removal repairs and clean up. If your floor has a gaping hole in it however that doesn t guarantee your homeowners insurance will pay to fix or replace it. The dry rot is just a byproduct of another serious issue a leak of some sort that has been allowed to soak in and create this spreading fungus.

Even if the roof leak is caused by a windstorm or a tree. Does home insurance cover mold. In some cases homeowners insurance won t help. The ones your company accepts like tornadoes and fires will be covered should they wreck your home.

That may seem confusing. The onus is on the homeowner to keep the home in a reasonably well maintained state. To make it clearer picture that there are two types of risk events. A standard homeowners insurance policy will cover water damage and roof leaks unless they re the result of gross negligence on your part.

Typical home insurance policies provide coverage for damage that is sudden and accidental for example the accidental discharge or overflow of water from a household appliance is a peril covered by most homeowner policies. Insurers expect homeowners to proactively take care of those problems before they need to file an insurance claim. Circumstances under which they will not pay out a benefit even when the homeowner suffers damage or a loss. Wood rot of floor joists is typically not covered by a homeowner policy unless it can be tied directly to a covered event.

The coverage for any given claim depends on the policy terms the amount of your coverage and the nature of the damage. Floor rot because it can be prevented by regular maintenance often falls under the normal wear and tear or negligence exclusions in your insurance. While your homeowners insurance will probably help cover the cost of replacing or repairing a damaged floor if your dishwasher suddenly goes on the fritz coverage generally will not kick in if the damage results from an unresolved maintenance issue such as continuous leaking near a faucet or other plumbing fixture. Unfortunately it s not uncommon for dry rot to be written off as a preventable issue.

For this reason all homeowners insurance policies include a list of exceptions. In order to find out if your homeowners insurance is going to cover your rotted floors you have to determine what the actual source was that caused the dry rot to begin with. Damage from unresolved maintenance issues. The house s foundation walls and roof dwelling protection may also help cover other structures that are attached to the home such as a garage or a deck against certain risks.

Any damage to your foundation is covered unless your policy explicitly excludes it.