Is Floor Rot From Rain Covered By Insurance

The flood insurance is something that you purchase as an add on to your homeowners standard plan but the storm damage comes standard.

Is floor rot from rain covered by insurance.

As we like to call pride of ownership. A leaking roof or burst pipe might both conceivably result in a parallel dry rot problem. 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. 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. Typical home insurance policies provide coverage for damage that is sudden and accidental. 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. 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.

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. Even if the roof leak is caused by a windstorm or a tree. 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. 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.