Dealing with damaged flooring is stressful enough, but the process of filing an insurance claim and knowing what’s even covered can make the entire ordeal more of a headache. That’s why Floor Coverings International of Southshore Tampa, FL® is here to go over the basics of what standard homeowners insurance covers for floors and how to get started on your claim.
Ready to learn more about how homeowners insurance does cover flooring? Read the information below or speak with our Design Associates directly during a free, in-home consultation.
Answers to All Your Questions About Flooring Insurance
You probably have plenty of questions about how insurance works for floor damage, and you’re not alone! The following FAQ section addresses common questions that homeowners tend to have:
- Does homeowners insurance go up when you file a claim? Yes, because insurers view past incidents as an indicator of future issues. The exact amount that homeowners insurance goes up after a claim varies based on the details of your situation.
- Will homeowners insurance cover sagging floors? Does homeowners insurance cover rotted floors? The answer is the same for both – it depends! If the sagging or rotting was caused by a sudden accident, then your insurance should cover it. If the damage was part of longtime neglect, it will not be covered.
- Does flood insurance cover flooring? For the most part, standard flood coverage includes flooring. However, some areas of the home aren’t covered under certain policies, so it’s best to check with your provider.
- Does contents insurance cover flooring? This type of coverage applies to temporary flooring, like area rugs or loose carpets. However, it will not cover permanent flooring, as that’s considered part of the building structure and requires structural or dwelling coverage.
It’s always a good idea to communicate directly with your provider about any questions regarding your specific coverage. That way, you can know with certainty what your homeowners insurance does cover for floor repairs.
How to File a Claim with Homeowners Insurance
It’s important to start the homeowners insurance claims process as soon as possible after an accident in your home. Our pros recommend that you…
- Document everything with photos and videos to have a record of the damage.
- Contact your insurance provider ASAP to inform them of your needs.
- Wait for an insurance adjuster to come out to your site and inspect everything.
- Have all the relevant photos, a copy of your homeowners policy, and any repair estimates ready.
- Track all communication with your provider and hold onto all receipts from work completed.
If you need a talented local flooring team to come in for your repairs, look no further than Floor Coverings International of Southshore Tampa, FL®. We’ll make it a smooth, seamless process to get your flooring materials back in tiptop shape. Begin the homeowners insurance claim process today to get one step closer to a restored home.
Does Homeowners Insurance Cover All Floor Damage?
What does homeowners insurance cover in regard to floors? The answer mainly comes down to the source or cause of the damage in the first place. Most standard insurance covers sudden or accidental damage from things like leaks, burst pipes, or water heater failure. Some weather phenomena are covered under this, too, such as wind, hail, or lightning strike damage.
You might be wondering, does homeowners insurance cover floor damage from leaking dishwashers or other appliances? While the damage is typically covered by most policies, homeowners insurance won’t cover the cost of repairing the appliance itself.
What Isn’t Normally Covered by Basic Floor Insurance?
A lot of floor damage is covered by homeowners insurance, but it’s important to know what won’t be covered, too. For instance, many policies don’t cover routine wear and tear or damage from neglect, such as long-standing leaks that weren’t addressed quickly. Likewise, basic homeowners insurance doesn’t typically cover flood damage. That requires specific flood insurance.
Start Repairs by Filing a Homeowners Insurance Claim Today
Do homeowners insurance plans cover leaks under the floor? Does homeowners insurance cover rotted floor joists? You can get all the answers you need to your specific questions by contacting your insurance provider or turning to Floor Coverings International of Southshore Tampa, FL® for help with your repairs. Submit our online form or call (813) 320-2652 today to book a free, in-home consultation.
