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.

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. Even if the roof leak is caused by a windstorm or a tree. So in other words dry rot is not a covered peril. However you may be able to file a claim under specific circumstances.

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. 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. On the other hand any rotten shingles or other holes in the structure that were present before the storm will usually be denied because they are considered preventable. 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.

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. If you are able to relate the rotted floors to a flood or possible storm damage these are covered perils with your insurance carrier. 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. As we like to call pride of ownership.

The flood insurance is something that you purchase as an add on to your homeowners standard plan but the storm damage comes standard. If the dry rot was caused by a home problem you were already insured for you won t need to worry about this being covered.