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Does insurance cover flooring
Quick answer
Homeowners insurance covers flooring damage only when caused by a sudden, accidental named peril (fire, wind, hail, lightning). Wear-and-tear, neglect, and routine maintenance are excluded — a home warranty closes part of that gap.
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Financing options
Most homeowners pay cash for smaller jobs, use a HELOC or home equity loan for larger projects, or take a renovation loan when equity is limited.
Insurance considerations
Homeowners insurance covers sudden, accidental damage from a named peril. Gradual wear and maintenance issues are excluded — a home warranty may help close that gap.
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Last updated: 1970-01-01