Is Floor Rot From Rain Covered By Insurance

Typical home insurance policies provide coverage for damage that is sudden and accidental.

Is floor rot from rain covered by insurance.

As we like to call pride of ownership. 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. However you may be able to file a claim under specific circumstances. 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.

Even if the roof leak is caused by a windstorm or a tree. A leaking roof or burst pipe might both conceivably result in a parallel dry rot problem. 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 the dry rot was caused by a home problem you were already insured for you won t need to worry about this being covered.

If you are able to relate the rotted floors to a flood or possible storm damage these are covered perils with your insurance carrier. 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. 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.

So in other words dry rot is not a covered peril. 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.