Does homeowners insurance cover rotting wood?

Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Wood rot or floor joist rot is typically not covered by a homeowners insurance policy. However, there are a few exceptions to that rule. Home insurance doesn’t cover wear and tear or issues of maintenance, and most rot falls into this category. However, if you can prove the rot was caused by a covered peril, your home insurance might cover it. Below we’ll explain how and when home insurance covers rotting...