Laminate Floor Water Damage Insurance

Water or solvent damage to a plastic laminate floor.

Laminate floor water damage insurance.

Laminate flooring and water however have a complicated relationship. Solid wood flooring will warp and swell when water logged since wood fibers in real wood run lengthwise the weak direction is sideways. When water gets below the laminate flooring there is always the possibility of mold developing. That said the wood in the laminate floors is prone to water damage if.

Laminate flooring is popular among homeowners because it looks nice and is durable. The flooring covered a hallway and 2 separate rooms and one of the rooms was completely dry unaffected. No matter whether you have ho 2 ho 3 or ho 6 some types of damage your policy won t cover. If it was caused by the town or your condo or an appliance under warranty etc.

Floor damage from flooding is only covered if you have flood insurance. If you have a homeowners policy on your house you may want to speak with your insurance company. These floors can last for years and don t require much maintenance along the way. The insurance industry defines flooding as damage caused by water after it touches the ground as opposed to damage from a bursting pipe or rain coming through your roof.

From the photos and guessing on my part this looks like a plastic laminate type flooring that had something wet placed or more likely a solvent in the area of damage. When it comes to water damage laminate floor coverings often fare better than other types of flooring. So how do you fix laminate floors with water damage. I didnt even ask.

As long as you wipe up any spilled water promptly the floor should be no worse for the wear. The wood materials in laminate floors are susceptible to water damage. Water damage laminate floor. Fixing water damage areas.

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. Laminate is designed to withstand occasional spills if installed in accordance with manufacturer instructions. Flooding or other significant water damage is a different story. I have filed 2 water damage claims and both times the insurance paid to rip the entire floor out and replace it only about 30 was actually damaged by water.

Lately we have a lot of customers who have had water damage on their floors. Water damaged laminate flooring has the potential of being dangerous. Guess i got lucky. Many types of floors not just laminate flooring are subject to damage when hit with enough water.