Is Floor Rot From Rain Covered By Insurance

A leaking roof or burst pipe might both conceivably result in a parallel dry rot problem.

Is floor rot from rain covered by insurance.

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. So in other words dry rot is not a covered peril. However you may be able to file a claim under specific circumstances. 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.

As we like to call pride of ownership. A standard homeowners insurance policy will cover water damage and roof leaks unless they re the result of gross negligence on your part. 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.

The flood insurance is something that you purchase as an add on to your homeowners standard plan but the storm damage comes standard. 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 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. Even if the roof leak is caused by a windstorm or a tree.

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. 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.