Is A First Floor Cbs And Second Floor Wood Insurance

Making the argument when filing an insurance claim.

Is a first floor cbs and second floor wood insurance.

To the person in mexico a category 1 hurricane is not exactly noteworthy in south florida but it could definitely do lots of damage to other parts of the us depending on their building codes. Insurance for floor installation. We had a remediation company come in and dry our home. In my opinion either method is acceptable because both methods meet all current building codes which require the structure to withstand 120 mph winds.

Floor replacement may be covered by your homeowners policy but only if the damage was caused by an incident your policy covers. Reitz says there s less push back from insurers about replacing an entire counter or floor than for replacing a roof or all the siding. Floor rot because it can be prevented by regular maintenance often falls under the normal wear and tear or negligence exclusions in your insurance contract. This may or may not include the installation of floor coverings such as linoleum tile or carpeting.

The other areas in the state generally build cmu homes even though the majority of homes with a second floor are constructed out of engineered wood frame construction. Flood and earthquake damage will likely require special coverage. However you may be able to file a claim under specific circumstances. First of all it is a tiny island and therefore barely gets a direct hit.

The wood floor is continuous throughout the first floor. Concrete block first floor and wood frame second floor. If you buy a newer two story home anywhere in florida you will likely get the equivalent of a chocolate vanilla swirl cone. The other areas in the state generally build cmu homes even though the majority of homes with a second floor are constructed out of engineered wood frame construction.

It gets windy too. Jansen says besides varying by state insurer and policy the issue of patching versus full replacement depends a lot on individual insurance company adjusters. We both grew up in concrete block homes in south florida so that probably skews our opinion a bit but here s our list of the pros and cons of each construction type. Many issues aren t covered by insurance especially if they were due to damage you caused.

The prefinished hardwood was damaged and is warped. The insurance company is saying they want to wait 30 60 days before sanding it to see if they can salvage the boards instead of replacing it.