Will Homeowners Insurance Cover Floor Damage? 
Great question . And the answer depends on what you mean by floor damage . Because there are situations that would be covered and situations that would not . For example if there is water overflow of an appliance that soaks a wood floor and destroys it you are likely covered . If the concrete floor in the basement cracks from settling over time , you will not be covered . If a wood floor has to be replaced due to poor workmanship , you are not covered . When in doubt , it is best to report a claim and have a claims specialist determine how the policy language relates to your specific situation . And of course consult your insurance professional to advocate on our behalf . 