Is Dry Rot Damage Repair Covered Under My Homeowners’ Insurance?

By
Home Builder with Dry Rot and Water Damage www.tromlerconstruction.com Mobile - 916-765-5366 CSL#642819
http://actvra.in/FYq

 

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 Moisture intrusion in apartment interior wallovercharge 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?

Dry Rot found in roof sheathingIt 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.

Rotted Fencing in SacramentoOf 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.

Tromler Construction

916-765-5366

 

 


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  1. Ginger Harper 01/03/2013 01:29 PM
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Topic:
Real Estate General Information
Location:
California Sacramento County Sacramento
Groups:
The Lounge at Active Rain
El Dorado Hills Real Estate
Addicted to Active Rain
Sacramento Real Estate
BananaTude
Tags:
homeowners
insurance
rot
tromler construction
maintenance
repair
dry rot
sacramento county

Comments 12 New Comment

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Ambassador
829,433
John McCormack
AlbuquerqueHomes.com
Albuquerque Homes Realty * www.AlbuquerqueHomes.com

Morning Tom -

Fortunately dry rot is not a regular thing we see in our area.  When we do run across it ,yes sir we highly recommend calling in professionals to check it out and fix it correctly.  Suggested.

August 07, 2012 05:55 AM
Rainmaker
1,217,985
Jay Markanich
Home Inspector - servicing all Northern Virginia
Jay Markanich Real Estate Inspections, LLC

Excellent point, Cosmo, rot is not the problem but merely the symptom thereof!  Edumakashun is the key!  As you know.

August 07, 2012 05:56 AM
Rainmaker
706,314
Winston Heverly
GRI, ABR, SFR, CDPE, CIAS, PA
Winston Realty, Inc.

As a licensed Public Adjuster, this question or claim comes about very often. At times We can get claims paid if it is caused out side of the fact, but can't be directly related to neglect. Hiring a good Public Adjuster in any state is worth their weight in gold.

August 07, 2012 05:57 AM
Rainmaker
1,005,094
Sheila Anderson
The Real Estate Whisperer Who Listens 732-715-1133
Referral Group Incorporated

Good morning Tom. Just one more thing to add to the not covered list. That said, catching it early is easy if you pay attention and have a skilled and honest guy to call and get help from.

August 07, 2012 05:58 AM
Rainmaker
1,187,246
Tom Arstingstall, General Contractor, Dry Rot, Water Damage Sacramento, El Dorado County - (916) 765-5366
General Contractor, Dry Rot and Water Damage
Dry Rot and Water Damage www.tromlerconstruction.com Mobile - 916-765-5366

Thanks for the suggestion John.

Calling a professional may be the best thing for many homeowners who aren't familiar with correcting the problem they have.

August 07, 2012 06:07 AM
Rainmaker
1,187,246
Tom Arstingstall, General Contractor, Dry Rot, Water Damage Sacramento, El Dorado County - (916) 765-5366
General Contractor, Dry Rot and Water Damage
Dry Rot and Water Damage www.tromlerconstruction.com Mobile - 916-765-5366

Yes Jay, Edumakashun is the key!

August 07, 2012 06:07 AM
Rainmaker
1,187,246
Tom Arstingstall, General Contractor, Dry Rot, Water Damage Sacramento, El Dorado County - (916) 765-5366
General Contractor, Dry Rot and Water Damage
Dry Rot and Water Damage www.tromlerconstruction.com Mobile - 916-765-5366

I guess it make sense to contact a public adjuster Winston. Good to know!

Thanks for the feedback!

August 07, 2012 06:07 AM
Rainmaker
1,187,246
Tom Arstingstall, General Contractor, Dry Rot, Water Damage Sacramento, El Dorado County - (916) 765-5366
General Contractor, Dry Rot and Water Damage
Dry Rot and Water Damage www.tromlerconstruction.com Mobile - 916-765-5366

It is amazing the number of things that are not covered under the unsurance policy Sheila. I start to wonder what IS covered?

August 07, 2012 06:08 AM
Rainmaker
540,607
Diane Daley
Caron's Gateway Real Estate

I know it is not cover in this area...  Anything that can be considered routine maintanance or neglect is not covered..

 

 

August 07, 2012 07:12 AM
Rainer
170,105
Robert Butler
Montreal Home Inspector | Aspect Inspection
Aspect Inspection

Insurance is a money and probability game. The more any condition or damage increases in probability or costs the less likely it will be covered.

Mathematicians call it inversly proportional. Like Einsteins Theory of Relativity it is not understood by all.

August 07, 2012 10:41 AM
Rainmaker
1,187,246
Tom Arstingstall, General Contractor, Dry Rot, Water Damage Sacramento, El Dorado County - (916) 765-5366
General Contractor, Dry Rot and Water Damage
Dry Rot and Water Damage www.tromlerconstruction.com Mobile - 916-765-5366

I have heard the same thing Diane. It makes routine maintenance that much more important.

August 07, 2012 11:06 PM
Rainmaker
1,187,246
Tom Arstingstall, General Contractor, Dry Rot, Water Damage Sacramento, El Dorado County - (916) 765-5366
General Contractor, Dry Rot and Water Damage
Dry Rot and Water Damage www.tromlerconstruction.com Mobile - 916-765-5366

Even if it was something that was covered (ie. high risk areas) the cost will increase as the probability of occurance increases - wouldn't that be directly proportional?

Thanks for your wisdom Robert.

August 07, 2012 11:10 PM
Anonymous
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Rainmaker
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Tom Arstingstall, General Contractor, Dry Rot, Water Damage Sacramento, El Dorado County - (916) 765-5366

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