Ultimately, it depends on the type of flooring in the property. Any flooring which is nailed or glued down and would cause damage to the floor below if removed, is covered by building insurance. Flooring which can be removed without damage, such as some carpets or click lock flooring, would be covered under contents insurance instead if you have this cover. The type of damage is also important as building insurance will not pay out for general wear and tear to any type of flooring and your flooring will only be covered for events specified in the policy, such as vandalism, flooding or fire.