I just discovered extensive rot in the framing around several windows.
The wood crumbles in my hand. I don't know what caused it, whether
water or insects but several framing pieces need to be replaced. Is
this something my homeowners insurance will cover? Thanks.
Answer: Generally, insurance policies exclude damage caused by seepage, dry
rot, or vermin (animal pests). This is because these problems are usually
the result of poor maintenance, not a "sudden and accidental" event.
Well, what does your policy say? Have you read it? None of us can read it from
Had you thought of asking your agent?
Answer is probably 'no' by the way -- that's damage caused by failure to
perform normal routine maintenance.
Disclaimer: I'm not your insurance agent, I haven't read your policy, I
don't know what state you're in. Ask your own agent for a more definite
Insurance companies used to have a very general definition of what sort
of water damage they would cover. With the explosion of mold hype in
overly-tight houses, insurance companies have rewritten their policies to
become much more restrictive. There's a very good chance that your
policy limits water damage to "sudden and accidental" events and contains
a specific exclusion for wet or dry rot, bacteria or fungi.
But you should read your own policy to see for sure, and talk to your
agent if you can't tell.
email@example.com is Joshua Putnam
Why would you ask that here instead of at your insurance company?
They'\re the only ones can give you a definitive answer and
arrange inspections if they're necessary.
|I just discovered extensive rot in the framing around several
| The wood crumbles in my hand. I don't know what caused it,
| water or insects but several framing pieces need to be
| this something my homeowners insurance will cover? Thanks.
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