Flooded Floors? Many Don’t Realize What Insurance Will Cover

Water damage can happen for a number of reasons (too many to list) and sometimes it is covered by insurance – either homeowner’s insurance or someone else’s insurance (e.g. if it was caused by the town or your condo, or an appliance under warranty, etc).

Many homeowners do not realize the full scope of what they are entitled to, so below is a checklist of some not so obvious items to include, if your floors have been damaged.

Theoretically, you should be compensated for “like for like” which means you are basically entitled to get the same type of flooring that you had or something of equivalent value.

What else should insurance pay for beyond the flooring?

1

Furniture needs to be moved when flooring is installed.  Some of our customers prefer that we do this work; others prefer to do themselves.

Moving Furniture

This refers to moving all the loose/breakable items and replacing them afterwards.  Usually, the insurance company has a fixed rate per hour to compensate the homeowner.

2

Content Manipulation

Painting Base Boards

Often baseboards need to be repainted or touched up after flooring is done (this depends on the nature of the flooring).  Some homeowners choose to hire professional painters to this work

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