Hardwood floors covered under home owners insurance?

In general, damage to hardwood flooring is covered by home owners insurance if the damage is caused by a covered peril. A covered peril is an event that is specified in the home owner's insurance policy as a cause for which the policy will provide coverage. Some common covered perils include fire, theft, wind damage, and hail damage.

It's important to note that the specific coverage for hardwood flooring under a home owner's insurance policy can vary depending on the specific policy and the insurer. Some policies may provide coverage for damage to hardwood floors regardless of the cause, while others may only cover damage caused by specific covered perils. Additionally, some policies may have a deductible that must be met before coverage kicks in.

Here are some examples of how hardwood flooring may be covered under home owner's insurance:

1)Fire damage: If a fire damages your home, including your hardwood flooring, your home owner's insurance policy will likely cover the damage.

2)Theft: If someone breaks into your home and steals your hardwood flooring, your home owner's insurance policy may cover the cost of replacing the flooring.

3)Wind damage: If a windstorm damages your home and causes damage to your hardwood flooring, your home owner's insurance policy will likely cover the damage.

4)Hail damage: If hail damages your home and causes damage to your hardwood flooring, your home owner's insurance policy will likely cover the damage.

It's important to carefully review your home owner's insurance policy to understand the specific coverage for hardwood flooring and other types of damage. If you have any questions or concerns about your coverage, be sure to contact your insurance agent.