Property & Casualty Insurance/water damage


Is water damage to the wood floor of a home considered damage to personal property  or is it considered damage to the structure?  The wood floor was installed over a concrete foundation.
Thank you.


Once the wood flooring was "installed" or "attached" to your home, it became part of your structure (Coverage A).  Had the wood flooring still been in boxes and not installed yet, it would've been considered a "content" (Coverage C).  Hope this information helps you.

Property & Casualty Insurance

All Answers

Answers by Expert:

Ask Experts


Dominick Belinchak, Insurance Adjuster


Property & Casualty Insurance Claims -- Residential & Commercial. I've worked for approximately 20+ insurance companies and have adjusted just under 1,000 claims, including residential & commercial losses that involve business interruption, fire, smoke, pipe break, hurricane, sinkhole, flood, water damage, mold, theft, vandalism, rental properties, appliance water leaks and others. If you are hitting a "brick wall" with your insurance company or insurance adjuster, or have a coverage question, please feel to ask. I'm here to help you!


Texas Independent Insurance Adjuster 2004-current Florida Insurance Adjuster 2009-2014

BS Business Administration USF (Tampa) -- 1992

©2017 All rights reserved.