April 29, 2019 2 min read

What type of coverage you have on your hardwood floor and the amount of payout you can expect to receive depends on the factors involved in your floor damage and the type of policy you have. Before you take out any homeowners insurance, you should discuss what the policy will cover regarding your hardwood floors and under what circumstances.


Every insurance provider is different and offers different coverage plans for your hardwood floors. If you do not currently have coverage that covers your hardwood floors, you may want to find out what options are available to you. Some insurance companies provide special coverage for hardwood floors as either a separate policy or built into your homeowners policy.

What Will the Insurance Likely Cover?

There are two main types of homeowners insurance policies:


  1. HO-2. An HO-2 policy will likely cover your floor against different threats such as fire, external impact (airplanes, cars), flooding due to plumbing, or an electrical emergency. Only causes that are on the policy list will be covered.
  2. HO-3. An HO-3 policy will cover loss or damage from any source that isn’t specifically included in the policy.


If you have to leave your home while your floor is being replaced, your policy may cover expenses you incur from additional living expenses, such as temporarily moving into a hotel or traveling out of the city.

Policy Exclusions

While your main interest lies with what the policy covers, you will also want to find out what the policy excludes and under what conditions. For instance, your insurance will only cover damage from a flood (natural disaster) if you have flood insurance.


General homeowners insurance usually doesn’t cover flooding without flood insurance being added. Likewise, earthquake coverage requires a specific earthquake policy. Check with your insurance provider to find out what options are available to you for hardwood flooring.


There are different types of payouts insurance providers offer in their insurance policies. For example:


  • Maximum Coverage. The insurance will pay up to a certain amount depending on how much insurance you took out. Keep in mind you will be responsible for the deductible.


  • Actual Cash Value. Insurance companies calculate the actual cash value of your floor depending on its current value, not the purchase value. An adjuster will inspect your floor. They will take the purchase price and deduct the depreciation due to age and possibly the damage. However, replacement-value policies typically provide more coverage than maximum coverage.

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Are you looking for the perfect flooring to complete your home design? E Hardwoods and Flooring offers engineered wood flooring, solid prefinished wood flooring, vinyl plank flooring, and vinyl tile flooring through our eCommerce store.


To find our more about our products or order your flooring, check out our luxury products online.