Flooring comes in many forms, including wood, vinyl, and ceramic. It’s one of the most crucial parts of your home. Unfortunately, it can be seriously damaged by accidents, fires, water leaks, and severe weather. It’s important to know what types of flooring damage your home insurance covers so you can be prepared if disaster strikes.
Causes
Coverage largely depends on what caused the damage. Things like fires, explosions, vandalism, vehicle crashes, and even volcanoes are usually covered by home insurance. The same goes for high winds, so your flooring repairs will probably be covered if a severe thunderstorm or tornado harms this part of your house.
Exceptions
Some types of natural disasters and other mishaps aren’t covered by home insurance. For instance, it doesn’t protect you from losses inflicted by floods, landslides, or earthquakes. If you want to insure your Sioux Falls, SD, home against one of these disasters, separate types of insurance policies are available.
Likewise, home insurance won’t cover gradual deterioration. If your flooring is stained, begins to develop cracks, or just looks outdated, you won’t qualify to make a claim. To avoid such problems, it’s important to prevent accidental damage and perform any routine maintenance that your flooring material requires. Check your policy for details.
When you need dependable home insurance, turn to the pros at Wilcoxon Insurance Inc., serving Sioux Falls, SD. Our independent agency works with several top insurers to provide customers with the most suitable policies for their needs. To get started, request a quote on our website, visit our office or call 605-271-6600.
