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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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βˆ™ 2015-07-15 21:23:13
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Does farm bureau home insurance cover a carpet damaged by children?

wear and tear is generally not covered

Will insurance cover the cost to replace the carpet throughout your house if the majority of it was damaged from an accident And you have the same carpet throughout now.?

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.

How damaged does carpet need to be before Farm Bureau will include it in a claim?

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.

Can you claim carpet damage on your homeowners insurance?

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

If a waterline burst and floods half of my carpet in the living room Will insurance pay to replace all the carpet in the room or only the damaged half?

Call and ask your claims agent. Probably the whole carpet.

Is carpet damaged by dog covered under homeowners insurance?

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.

Is carpet replacement covered in home owners insurance?

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.

Does farm bureau home insurance cover damage to carpet by oil?

heating oil? that is considered a polluntant and generally excluded as a cause of loss

Will insurance cover a hot water heater?

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.

What is the value after depreciation of carpet damaged by water?

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

Does homeowners insurance cover damage to carpet?

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.

How can you repair your home carpet?

You can repair your home carpet by patching torn areas with damaged rugs.

How do you clean a water damaged car carpet?

Replace it

Can i claim on insurance for soild carpet?

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.

Can landlords charge tenant to replace carpet?

Only if the tenant damaged the carpet - not if it was "normal wear and tear."

Does homeowners insurance covers upgrades?

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.

Can an insurance company pay to replace only part of your carpet when it is damaged.?

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.

Would collision or other than collision coverage apply if a liquid chlorine jug fell in your vehicle while driving and the chlorine damaged your carpet?

That should be covered by comprehensive insurance and the insurance company will pay for damages minus any deductable.

Can carpet steamer damage carpet?

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.

How can you get your homeowners insurance to pay for new carpet?

You can't.

If a neighbor's burst pipe damaged our carpet can they be liable for carpet replacement?

Yes, your neighbor is at fault unless your actions contributed to the rupture.

What examples are used in baking powder?

makes bread rice carpet freshner dishwasher and that's all that i know!

How do you clean moldy carpet?

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.

Where can one repair a water damaged carpet?

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.

Does a landlord need to provide a receipt of carpet replacement costs or can they just quote an amount?

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.