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	<title>New answer on: Will Homeowners Insurance Cover Flooring?</title>

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		<title>By: David W. Clausen</title>

		<link>https://insurancelibrary.com/home-insurance/will-homeowners-insurance-cover-flooring</link>

		<dc:creator>David W. Clausen</dc:creator>

		<pubDate>Tue, 26 Jan 2016 13:35:23 +0000</pubDate>

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		<description><![CDATA[It depends what happened to your floor.  For example, flooding from tidal water would be excluded under a standard Ho-3 homeowners insurance policy in NY.  Wear &#038; Tear is also excluded as well as intentional damage to the floor.  Covered perils would include fire, wind, hail, vandalism, damage from a pipe burst and many other perils.  If you have an HO-3 policy it would be covered under the dwelling portion of the homeowners insurance policy.  Keep in mind you probably have a deductible that will come into play.  Always check with your independent insurance agent for coverages that are specific to your policy.  Hope this answer has helped you.]]></description>

		

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		<title>By: Bill Sims</title>

		<link>https://insurancelibrary.com/home-insurance/will-homeowners-insurance-cover-flooring</link>

		<dc:creator>Bill Sims</dc:creator>

		<pubDate>Tue, 04 Feb 2014 15:02:24 +0000</pubDate>

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		<description><![CDATA[If the peril (the cause of the damage)  is covered by your insurance policy, then the policy will pay to replace the flooring.  The value of the house&#039;s flooring is included in the Coverage A (dwelling) limit of your policy because it is considered a permanently installed furnishing of the house.  So, then the question becomes, &quot;Does my homeowners policy provide coverage for damage resulting from (fill in the blank with your peril)?&quot;  You can read your insurance policy to find this information.  The homeowners policy will have a list of covered perils included in the coverage form.  If, after reading that,  you still have a question as to whether the specific cause of your damaged floor is covered, you should contact your local agent and discuss it with him.]]></description>

		

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