Carpet Insurance rule

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PostPosted: Wed May 16, 2007 5:44 pm   Post subject: Carpet Insurance rule  

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


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PostPosted: Wed May 16, 2007 11:40 pm   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.



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PostPosted: Thu May 17, 2007 9:12 am   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

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PostPosted: Thu May 17, 2007 1:59 pm   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.

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PostPosted: Fri May 18, 2007 4:07 am   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.

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PostPosted: Fri May 18, 2007 4:44 am   Post subject:   

Quote:
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. Smile

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PostPosted: Fri May 18, 2007 5:14 am   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.


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Rebecca
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PostPosted: Sat Jun 20, 2009 9:14 am   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 Very Happy


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PostPosted: Sat Jun 20, 2009 12:43 pm   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...

Quote:
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?


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PostPosted: Fri Jul 24, 2009 1:52 pm   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?


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PostPosted: Sat Jul 25, 2009 4:49 am   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.



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PostPosted: Sat Jul 25, 2009 5:47 am   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.

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PostPosted: Sat Jul 25, 2009 6:32 am   Post subject:   

Quote:
How do we fight this?
Fight what? Why is this not acceptable?
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PostPosted: Sun Feb 20, 2011 6:01 pm   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/


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PostPosted: Sun Feb 20, 2011 6:46 pm   Post subject:   

Quote:
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.
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