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Does Farm Bureau home insurance cover a carpet damaged by pets and water from the dishwasher in SC?


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2015-07-15 21:23:13
2015-07-15 21:23:13

Damage caused by dosmetic animals is excluded in all homeowner's policies and it is unlikely that SC would require an exception for this exclusion for policies issued in their state. Water damage to carpeting from a plumbing system leak (if sudden as opposed to a slow leak over time) is a covered loss. Could it be that the water damage did not destroy the carpet as it could be dried and cleaned but due to the pet damage it was ruined? //

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No. If your carpet was damaged by a covered peril. Your insurance policy is only responsible for repair or replacement of the damaged part with like kind and quality. Their is no coverage for cosmetic aesthetics or exact match issues.

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If the carpet was damaged from a listed peril (smoke, fire, etc.), the average policy will pay (after your deductable) to have it cleaned or replaced, depending on the damage.

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Carpet DamageYes, if it was damaged due to a covered peril under your policy it will be covered.


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