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? //
wear and tear is generally not covered
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.
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.
Carpet DamageYes, if it was damaged due to a covered peril under your policy it will be covered.
Call and ask your claims agent. Probably the whole carpet.
I believe in most any situation that carpet damaged by a dog will not be covered. Of course it will depend on the actual policy and what happened but in most if not all cases this type of damage would not be covered.
It depends on why you need your carpet replaced. If it was damaged due to a covered peril then it will be covered. If your carpet is just old and worm due to usual wear and tear then it is not covered.
heating oil? that is considered a polluntant and generally excluded as a cause of loss
Regular home owners insurance does not cover a water heater. If it leaked and damaged the floor, carpet, walls or furnishings, those would be covered, but not the heater.
The insurance company uses a depreciation calculator, which deducts replaceable value determined by the age of the carpet. If you have a "recoverable" depreciation you will have to first spend the money for the carpet, then submit documentation (invoices and receipt) to have the remaining amount sent to you
If damaged due to a covered peril such As Fire, Wind, Hail, etc,, yes it's covered subject to your deductible.. If damaged to due to wear and tear, No, it would not be covered.
You can repair your home carpet by patching torn areas with damaged rugs.
Insurance claims for CarpetIf your carpet has been "soiled" as a result of a covered peril on your policy then it would be covered.If the carpet is soiled as the result of normal expected use then it would not be covered.
Only if the tenant damaged the carpet - not if it was "normal wear and tear."
No. If you have a loss the company will replace damaged items with same kind and quality. If you want to upgrade the eg. carpet or cabinets you will have to pay the additional cost yourself.
Yes,, that can Happen but it depends on what kind of policy you bought. If you purchased a "RC" replacment coverage policy then it will pay to replace all the carpet that is damaged from a covered loss.If you bought the cheaper "ACV" actual cash valued policy then it will only pay the depreciated value of the damaged carpet. This may make it seem that they are only paying for part of it if the replacement cost is higher than the depreciated value.
That should be covered by comprehensive insurance and the insurance company will pay for damages minus any deductable.
A carpet steamer can damage carpet depending on what type of carpet it is. Man-made plastic-based fibers are most likely to be damaged. In most cases, a steamer will not harm carpet. However, if you are concerned, do a test cleaning in an inconspicuous spot.
Yes, your neighbor is at fault unless your actions contributed to the rupture.
makes bread rice carpet freshner dishwasher and that's all that i know!
Moldy carpet should not be cleaned, it should be replaced. Consider that by the time the carpet has molded, the padding and underlayment have already been damaged and need to be replaced or repaired.
A great company to consider when faced with water damaged carpet is Green Choice Carpet Cleaning. They use all natural and organic products so there is no need to worry about kids or pets being harmed by cleaning products that may be left behind.
A landlord can charge for excessive wear and tear on carpet only if it's unreasonable wear and tear. After five years, according to national standards, a carpet is deemed to be completely worn, and such wear is considered reasonable. So in answer to your question, the newer the carpet, the more the landlord can charge if the carpet is damaged, if it is damaged outside the reasonable wear-and-tear limits.