Will Homeowners Insurance Cover Floor Damage? 
The first thing to understand is an insurance policy is a CONTRACT between you and the insurance company . To determine the coverage available we would have to know what your contract says ... what has the insurance company promised to do ? A homeowners policy covers the home for damage caused by specific perils -LRB- wind , fire , vandalism ... things like that . -RRB- Some things are specifically excluded from coverage , meaning if this happens they wo n't pay for the damage . Common exclusions are wear and tear and intentional acts . Before anyone can answer your questions we need to know ; -LRB- 1 -RRB- exactly HOW your floor was damaged . Then -LRB- 2 -RRB- see if that cause is excluded on the policy . You will also have a deductible -LRB- your part of the claim -RRB- , so is the cost to repair the floor over the deductible ? If the repair is under the deductible you are on your own to pay for the repair . 