Does Homeowners Insurance Cover Floor Damage?

Homeowners insurance provides financial protection for a homeowner’s dwelling and personal belongings. However, whether floor damage is covered depends on its specific cause and the terms outlined in the individual policy. Policies vary, leading to differences in what is considered a covered peril.

Common Covered Damage

Homeowners insurance typically covers floor damage from sudden, accidental events, known as “perils.” Coverage depends on whether the peril is listed or if the policy provides “open perils” coverage. For example, damage resulting from a fire, lightning strike, or an explosion is generally covered.

Sudden and accidental water discharge from within plumbing systems or appliances is also commonly covered. This includes a burst pipe, an overflowing washing machine, or a hot water heater malfunction releasing water onto floors. Similarly, damage from vandalism, theft, or falling objects, such as a tree limb crashing through a roof, is typically covered. Windstorms and hail are also covered perils, where damage to the home’s structure, including floors, can occur due to severe weather.

Common Excluded Damage

Many types of floor damage are explicitly excluded from standard homeowners insurance policies. Flood damage, for instance, is a widespread exclusion, meaning floor damage from rising water or storm surges is not covered. Separate flood insurance, often through the National Flood Insurance Program, is necessary. Earthquake damage is another common exclusion; specialized earthquake insurance is required to cover floor damage from seismic activity.

Damage caused by mold, fungus, or rot is frequently excluded unless it directly resulted from a covered peril and is discovered within a specific timeframe. Gradual damage, such as from ongoing leaks, chronic dampness, or deterioration from wear and tear, is not covered. Pest infestations, including termites or rodents, and damage arising from a lack of maintenance or neglect are also excluded.

Filing a Claim

When floor damage occurs, documenting the incident promptly is an important first step. Take clear photographs and videos of the damage before any cleanup or repairs begin. Contact your insurance provider immediately, as most policies require notification within a set timeframe. You will need to provide your policy number, the date the damage occurred, and a detailed description of the incident.

The insurer will typically assign a claims adjuster to assess the damage. The adjuster will inspect the affected area and may request additional information or repair estimates. Obtaining repair estimates from qualified contractors is often necessary to facilitate the claims process. Understanding your policy’s deductible and whether your settlement is based on actual cash value or replacement cost is important, as these factors impact your financial responsibility and the final payout amount.