Rain leak ruined floor

[brooketx]

What is the name of your state (only U.S. law)? Texas

We had laminate layed last fall. We noticed just recently it looked like it was buckling. Called the installer back out who called out a 3rd party inspector that said there was a lot of water damage.

Well it actually rained really hard here today in TX and we noticed that in one section of our living room (where there are 2 sets of french door) it was leaking behind the baseboards (we have a sunken in living room).

Is this normally covered by homeowner's insurance?

[penelope10]

Originally Posted by brooketx

What is the name of your state (only U.S. law)? Texas

We had laminate layed last fall. We noticed just recently it looked like it was buckling. Called the installer back out who called out a 3rd party inspector that said there was a lot of water damage.

Well it actually rained really hard here today in TX and we noticed that in one section of our living room (where there are 2 sets of french door) it was leaking behind the baseboards (we have a sunken in living room).

Is this normally covered by homeowner's insurance?

If the leak happened due to damage to your roof during a storm, or a broken window, the claim would be covered. Seepage coming in due to hard rain probably won't be. Homeowners insurance does not include flood coverage.

[brooketx]

No roof damage or window breaking.

Don't know where the water is coming from? You are right, it is seeping through the door frames or under the door and down the baseboard.

So this typically isn't covered?

[las365]

Before you can figure out whether your water loss is covered, you need to figure out where the water is coming from.

[brooketx]

Originally Posted by las365

Before you can figure out whether your water loss is covered, you need to figure out where the water is coming from.

You are right. I guess we should find out even though we think it's coming in from the bottom part of around the door.

So therefore do I file a claim or contact a contractor?

[JustAPal00]

If water is seeping under a door, call a contractor. It probably won't be covered.