Will Homeowners Insurance Cover Flooring? 
It depends what happened to your floor . For example , flooding from tidal water would be excluded under a standard Ho-3 homeowners insurance policy in NY . Wear & Tear is also excluded as well as intentional damage to the floor . Covered perils would include fire , wind , hail , vandalism , damage from a pipe burst and many other perils . If you have an HO-3 policy it would be covered under the dwelling portion of the homeowners insurance policy . Keep in mind you probably have a deductible that will come into play . Always check with your independent insurance agent for coverages that are specific to your policy . Hope this answer has helped you . 