Carpet Insurance rule

Submitted by Anonymous (not verified) on Wed, 05/16/2007 - 17:44

Is there any rule in insurance company to have carpet insurance ? My carpet got damage after every three month.

Posted: 16 May 2007 11:40 Post Subject:

What and how did it get damaged after three months? Depending on how it got damaged and why will give me a better idea of how to answer. It could possibly be covered under homeowners ins. or if it was the fault of the person that installed it it could be covered under their policy. Really need some more info here to answer this question.

Posted: 17 May 2007 09:12 Post Subject:

Hi,

Please tell me which state you belong to. I also need to know the extent of damage and the cause as well. Waiting for your reply.

Thanks
Laura

Posted: 17 May 2007 01:59 Post Subject:

Only thing I can add is that in order for ones own policy to provide coverage, the loss would need to be sudden and accidental (hence, the reason needed to know what happen). When it's mentioned that this happen over the past 3 months, it sounds more like wear/tear or incorrect installation or, many separate losses.

Posted: 18 May 2007 04:07 Post Subject:

Do you have ‘home content insurance' included in your homeowners insurance?
Check out with your insurance company. If this option is there in your policy, than it may be providing coverage for your carpet also.

Posted: 18 May 2007 04:44 Post Subject:

What and how did it get damaged after three months? Depending on how it got damaged and why will give me a better idea of how to answer. It could possibly be covered under homeowners ins. or if it was the fault of the person that installed it it could be covered under their policy. Really need some more info here to answer this question.




I am from Adelanto (California). My carpet gets damaged because my son plays cricket in the room with his friends. :)

Posted: 18 May 2007 05:14 Post Subject:

If you have homeowners insurance then the carpet is likely to be covered under it. But the problem lies elsewhere. In your case, it seems that you have to file a claim after every three months. It will affect your insurability in future. Moreover, after every claim your premium rate will shoot up. It is then wise not to make a claim for it.

Posted: 20 Jun 2009 09:14 Post Subject: Carpet Insurance

Hi, im in Wellington New Zealand, and I wanted to know about insurance for carpet? I was told only if carpet was damaged by leaking internal piping or bath,toilet,bidet or shower. My carpet was damaged by the washer(on washing machine hose) was damaged and was slowly leaking for 5-6 months....the washers connect to the sink from underneath so went un-noticed until I went to remove shoes from cupboard(50 odd pairs) and saw the damage top the carpets and shoes then. I am renting someone elses property.
Thanks :D

Posted: 20 Jun 2009 12:43 Post Subject:

Ina, first off I'm going on the ''assumption'' that the home owners policys in New Zealand, and the US are similar regarding this issue..but you should most certainly check..

There is no such thing as 'carpet insurance'. Damage to carpets are covered subject to the policy wording on Home owners, dwelling and some renters policys..

However, you have a big problem with this...

was slowly leaking for 5-6 months....the washers connect to the sink from underneath so went un-noticed until I went to remove shoes from cupboard(50 odd pairs) and saw the damage top the carpets and shoes then.


All homeowners type policys say that the loss must be ''sudden and accidental'' then further go on to say that 'we do not cover' things like, 'gradual deterioration'...If a pipe bursts and water goes everywhere, yes, there is coverage. If a pipe or water source has been leaknig for some time, gradually accumulating, resulting in damage, they are not covered. Again, this is how policys in the USA are written, you should definately check your policy wording on this...and speaking of that...Do you have a renters policy or are you talking about the policy that the home owner has? Have you told your landlord about this damage? Have they filed it with their carrier?

Posted: 24 Jul 2009 01:52 Post Subject: carpet to be replaced

We are being told by the insurance company that they will replace carpet ( it was stained by A/C pan water dump while gone on vacation) only up to first opening after damage. This area includes stairs, hallway, movie room, two bedrooms. All the same carpet, it is about 12 years old but was a top of line carpet and still looked in good repair. I have replacement cost on my policy. It needs to be replaced all or nothing to maintain the look and value for this house.
How do we fight this?

Posted: 25 Jul 2009 04:49 Post Subject:

You can ask them really really nice to replace it all. They will tell you no, and then you can either replace it yourself or not replace any of it. The point is, if there is a cut-off point where a door closes they are normally not going to replace all of the carpet.

Posted: 25 Jul 2009 05:47 Post Subject:

SK, the insurance company is to compensate you for the loss that you have suffered. The term replacement cost in the policy paper doesn't mean that the entire carpet would be replaced in case of a damage. The insurance rather would replace the portion that was stained.

Posted: 25 Jul 2009 06:32 Post Subject:

How do we fight this?

Fight what? Why is this not acceptable?

Posted: 20 Feb 2011 06:01 Post Subject: carpet

can you insure just the carpets? as we are moving into a flat (renting) and the landlord has put down all new carpets, he would like them to be insured by us. none of our stuff is worth anything so what company would insure just the carpets/

Posted: 20 Feb 2011 06:46 Post Subject:

he would like them to be insured by us

That is why you pay rent... part of it addresses normal wear and tear. No you cannot insure them as you don't own the property.

Posted: 03 Jun 2011 12:42 Post Subject: PUfNjKJrbHZIv

About2642.. Not so bad :)

Posted: 10 Jun 2011 03:22 Post Subject: Carpet Replacement

Hi,
I live in New Mexico and we got some water damage on our carpeting that is insured. The carpet was continuous throughout the house (looked that way anyway; of course there are seams) but only part was damaged. My question is how closely is the new carpet required to match? Dyes change over time so that a new match to an old color will not necessarily match after a year or so and beyond, and I don't want there to be a noticeable change in color. I don't want them to replace the whole carpet throughout the house, but can they just leave a seam in or between rooms, or in a doorway, or what?

Thank you for your help.

Posted: 30 Mar 2012 12:18 Post Subject: NRKNJVZiyuaSOaN

In UK we have had really bad sreivce (twice) by using the insurers recommended body shops. In fact, one of them tried to seriously rip us off. Also, we had v poor sreivce on 2 occassions using the insurers recommended law firms. Never again! Best get your own people. It's your car and you have the right to get the job done to your satisfaction. Insurance industry is commercial theft, they are happy to take your premiums but try to avoid paying out.

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