Will Homeowners Insurance Cover Sagging Floors? Here’s What You Need to Know


Will Homeowners Insurance Cover Sagging Floors? If you have been living in your home for years, you may be enjoying the fruits of your labor—good condition floors and walls.

However, if there are any holes or cracks in your flooring, you could face a problem when it comes time to file a claim with your homeowners’ insurance policy.

In this article, we’ll go over whether your sagging floors will be covered under your policy.

What Causes Sagging Floors?

The most common cause of sagging floors is improper home maintenance. Neglecting your home can lead to structural damage and wear and tear.

But it would be best if you also considered what materials were used when your house was built and possible settlement issues caused by shifting soil conditions.

Small changes in moisture levels due to climate change or leaky pipes can lead to sagging floors. Home insurance doesn’t cover those problems because they’re usually considered a maintenance issue and are expected given your home’s age.

Things like water leaks and gas leaks could be covered under certain circumstances but would depend on how much damage they cause and whether or not they were likely an act of nature (like a flood) or an intentional event (like vandalism).

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Homeowners Insurance Likely Coverage

While there is some variation from policy to policy, for homes that were built before 1978, a homeowners insurance policy is likely to cover sagging floors.

Your insurer will consider whether your floor was damaged by water or dry rot. Home insurance doesn’t usually cover the warping of floors due to the natural shifting of your home over time; most policies have a clause that explicitly excludes coverage for home settling and shifting.

Homes built after 1978 are typically protected against most natural disasters by local building codes, but policies can vary widely.

Homeowners Insurance: What Is Excluded?

Home insurance will not cover sagging floors. Home insurers consider sagging floors as wear and tear and a condition excluded in most policies.

If you have a sagging floor, your home insurance won’t pay for it unless you purchase an endorsement (more on that later). In addition, they also don’t cover loss of use or additional living expenses regarding a covered peril such as fire.

For example, if your home caught fire and couldn’t live there until repairs were made, your homeowner’s insurance would not provide additional funds for temporary housing or increased meal expenses.

What Payout To Expect From Homeowners Insurance

Home insurance typically won’t cover foundation repairs or other structural issues, like sagging floors. But that doesn’t mean you can’t be reimbursed.

If it isn’t mentioned in your policy (look under earthquake and flood damage), ask your insurer if it will pay for fixes related to a damaged foundation (it might) and get detailed information about what caused your damage.

In some cases, homeowners have recovered as much as 90 percent of repair costs.

Average Sagging Floor Repair Cost

A sagging floor can happen anywhere in your home, not just in one room. When a whole floor caves in, it’s usually due to damage caused by water, insect infestation, or wood rot.

To fix a sagging floor, you may need several tradespeople, including an architect, plumber, and carpenter. At an average cost of $5,500, these repairs can eat up a hefty chunk of your home’s value.

Fortunately for most homeowners—many insurers will cover these costs with their standard policy as long as you file a claim soon after discovering structural problems such as saggy floors.

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Sagging Floors in Basements and Crawl Spaces

Basements and crawl spaces are prone to a kind of decay called wet-rot. It’s caused by water penetrating wooden beams and support structures, which can cause parts of your home to collapse.

If you have sagging floors in your basement or crawl space, there’s an excellent chance it’s wet-rot damage. It’s also possible that without fixing it, you may end up with structural problems that could lead to more serious damage down the road (if one beam collapses, it could take another one with it).

Whether you should foot a large repair bill depends on several factors: What type of support structure do you have? Are there additional warning signs that problems are developing?

Sagging Concrete Slab Floors

Concrete slabs are sometimes used on homes that don’t have basements. Several issues can cause these slabs to sag; however, they can be repaired and brought back into place.

The first step is to locate a company that specializes in concrete slab floor repair and house insurance policy claims.

This type of company knows exactly what needs to be done and how much your claim should be worth based on information from other homeowners with similar problems.

What to Do if Floor is Sagging?

Sagging floors are one of those things that can give you a sinking feeling when they happen to your home. If it’s not taken care of, you could be looking at damage to your walls, ceiling, and furniture if it gets too bad.

Unfortunately, fixing sagging floors is typically pretty expensive—but there are ways to keep costs down if you need to.

Make sure that you understand what is covered by your homeowners’ insurance before signing up for any work on your home; knowing exactly what’s in and out of scope can help reduce surprises later.

If you aren’t sure how much work is covered under your policy, contact an agent right away; don’t wait until after major repairs have already been completed.

How to Claim Floor Rot on Homeowners’ Insurance

Homeowners’ insurance policies typically cover damage caused by flooding, fire and smoke, earthquakes, and windstorms.

Homeowners may even have coverage for earthquake-related water damage if they live in an area prone to earthquakes or floods.

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But some homeowners are surprised to learn that their policy doesn’t cover home repairs due to rotting floors caused by water infiltration or floor rot. So what can you do if your home insurance won’t cover your sagging floors?

One option is to file a claim with your homeowners’ insurance company; another is to purchase additional coverage from a specialty insurer. It pays to know what your policy covers before you start spending money on repairs.

FAQs on Will Homeowners Insurance Cover Sagging Floors?

Are Sagging Floors Bad?

Sagging floors are bad for a couple of reasons. First, if you have family members or pets in your home, there’s a risk they could fall through and get hurt.

Sagging floors can also be dangerous if you own a home business, as workers could break through when working on their office space.

Are Sagging Floors Normal?

Some issues can cause sagging floors, but what they have in common is that they all threaten your home’s structural integrity.

Sagging floors, in particular, can crack or separate from other parts of your home, causing damage and putting your family at risk for serious injury.

So before you start thinking about repairs or renovations, it’s important to know whether your sagging floor is something you need to worry about.

In most cases, it’s not—but only a licensed contractor will be able to tell for sure and let you know how best to proceed with any repairs or renovations.

Should I Buy a House With Sagging Floors?

If you’re planning on buying a house with a dropped floor (the floor that has lowered or dropped), you should know several things before buying.

The biggest? If your home has issues with sagging floors, your homeowners’ insurance is unlikely to cover any issues.

Understanding what homeowners insurance covers and what it doesn’t will help make sure you purchase a home that meets your needs and protects you from problems.

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