Will Insurance Pay to Repair Or Replace My Water Damaged Floors?

water damage services bloomington, water damage repari bloomington, water damage repair bloomingtonBeautiful floors can be the showpiece of an entire household. Both classic and modern materials come in many different styles, colors and materials – and prices! These factors affect the cost of the floor itself and possibly repair costs as well. 

When you look at your water damaged floors, the first question you have is “can this be fixed?” Then the second question is “who will pay for it?”

Depending on the type of water damage you’re dealing with, your homeowner’s insurance may cover some of the repair or replacement costs. Most policies will cover water damage resulting from something sudden and accidental. However, if the incident results from a known and neglected leak or home repair, you’ll probably be on the hook for the cost of water damage. 

What Is Usually Covered?

The term in your insurance documents uses for types of covered situations is “sudden and accidental”: 

  • An abrupt bathroom leak that was immediately addressed
  • Ceiling damage from a sudden leak
  • A burst pipe — whether from temperature, old age or tree roots
  • Toilet overflow
  • Sudden leaking roof


Note the lack of flood coverage on this list. Most homeowners’ insurance policies exclude flood coverage, which is sold separately. Flood insurance must be purchased from a regular insurance agent through the National Flood Insurance Program (NFIP).

If the damage was out of your control, check with your insurance agent to see if your policy covers it. Repairs or replacements will vary in cost depending on the size of the project and the type of flooring you’ll use. However, many times it is cheaper to replace the damaged flooring altogether rather than having it repaired. After you determine whether insurance will help, you’ll need some experienced professionals to give you some estimates. Call the Done Right team immediately for support and advice. 

Obviously, you will ger the water removed and the home dried out. The restoration team will do everything they can to salvage your existing floors. After the initial assessment and clean-up, they will be able make recommendations about your particular situation. After running then number, you may decide that it makes more sense to replace them with new materials.  

For example, repairing a hardwood floor usually means having the floor refinished. If a total refinishing job is not done, the floor will undoubtedly look uneven – the new finish will make the old portion stick out greatly. The end result is a floor that looks virtually brand new for a fraction of what a new floor would cost. Other types of wood floors offer other options that are more cost efficient.

Steps To Expect When The Team Responds to Water Damage  

  • Identifying the source of water
  • Extracting water with water pumps and our truck-mounted system
  • Sealing off the affected area to prevent spreading
  • Installing drying equipment
  • Monitoring drying process and preventing mold
  • If mold is already present, they will safely remediate it
  • Rebuilding affected area

Water Damage Services In Bloomington

Done Right Carpet & Restoration, Inc. has been a water damage company leader since 1992. When you need flood cleanup, sewage damage cleanup, basement water damage repair, or any of our other water damage services, reach out to the technicians at the first sign of trouble.

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