PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Does home insurance cover damage to flooring?
Last week, I came home from work to discover my hot water heater had leaked all over the mud room. My laminate flooring is warped and needs to be replaced. Will my homeowners insurance cover the cost of replacing my floor?
Bellina Gaskey · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Coming home to water damage is sure a nasty surprise! The good news is that your home insurance will likely cover the costs to repair your floor.
If the damage was caused by a named peril in your policy, you’ll be covered. Standard perils typically include fire, vandalism, and burst pipes (among others). If your water tank suddenly sprang a leak, you should be able to file a claim successfully.
Now, let’s look at damage to flooring that is typically not covered by a home insurance policy:
- Damage done by flooding or storm surges. To protect against flooding, you’ll need flood insurance.
- Damage caused by your pet. If your dog rips up your carpeting, your homeowners policy won’t cover it.
- Damage that results from your own negligence. If your water heater developed a slow leak several months ago and you failed to address it, the damage may be declared “avoidable” and you’ll have to foot the bill yourself.
Best of luck with the installation of your new flooring!
If you have more home or
car insurance
coverage questions, just use Jerry
! Jerry’s friendly agents are here to answer all your questions—and the Jerry app can help you find savings on either policy type.View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies