Is Wet Rot Covered By Home Insurance?

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   dmrozek

   Ann Arbor, MI

   In general, no, home insurance will not cover wet rot.  A homeowners policy is there to protect you from the sudden and accidental, not the ongoing.  To file a claim, you have to be able to pinpoint what happened and when it happened.  Wet rot describes a long time, ongoing circumstance.  Your homeowners policy is designed to make you whole after an "occurrence".  It's not designed to maintain your home.  If you have a condition that could, potentially, damage your home, it's the homeowners responsibility to correct that condition to protect your home from future damage.  This brings up the question of the cost of your homeowners insurance.  Every claim impacts the loss ratio of your company and, ultimately, your rates.  Want to control the cost of your homeowners insurance?  Take a higher deductible and pay for the smaller things yourself.  You'll save money in the long run.

   Answered on November 26, 2013

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