Does Homeowners Insurance Cover Rotted Floors. That's what auto insurance is for. A standard home insurance policy states:
What homeowners insurance doesn't cover. Most insurance companies do not cover damage caused by termites. Although homeowners insurance protects your home and personal belongings, there are certain types of damages a policy doesn't generally cover.
Covered perils and mold insurance.
Mold caused by floods, nature. Mold caused by floods, nature. The specific perils covered under a particular policy will vary from one plan to the next depending on where you live and what kind of. Insurance and home warranty insurance are two different things.