Will my dry rot damage repair be covered under my homeowners’ insurance policy?
In Sacramento, we see dry rot repairs that can be very costly to bring back to its original integrity. It doesn’t mean that, as general contractors, we overcharge to do these dry rot repairs, it just take some time to get to and repair the rotted wood. Not all of the repairs are surface trim boards that we do can be easily reached. The repair calls that we get usually are inside walls, floors roofs and other hidden areas.
Many homeowners choose to ignore areas of water intrusion and because of this; the damage escalates to serious levels. If they realized that the costs could have been much less if it was addressed right away. There isn’t much we can do for someone who has no desire to repair their dry rot problems.
A greater percentage of homeowners do not even realize that they have a moisture problem that is likely to lead to rotting wood. It’s not until the damages have gotten extensive that the homeowner finds out that a problem exists. At that point the cost of repairs can get expensive.
Does my homeowners insurance cover dry rot damages?
It would be great if the damages were covered by our insurance policy; however, most policies do not cover the cost of the repairs due to dry rot. You may be wondering why this is. According to the insurance industry, wood rot is considered to be a preventable condition. The industry believes that with routine maintenance, and damages can be prevented.
Since the repair of dry rot and water damage to the home is not covered by most insurance, the need for better, regular inspections are necessary to catch the problem early. Knowing where damages tend to occur and what to look for is critically important to finding moisture intrusion. Water stains, musty odors, warping panels, and soft wood are all signs to look for around the home.
Of course, you can hire a qualified professional to help with your inspections. A contractor or inspector who does this sort of thing for a living can more than pay for itself in early detection. If you need help or have any questions regarding dry rot and water damages in the Sacramento area, consider calling Tromler Construction for assistance.
We service the Sacramento, El Dorado, Placer, and Yolo Counties.
View Larger Map