Does Homeowners Insurance Typically Cover Dry Rot? 
I am going to have to give you the boring insurance agent answer : You need to check your policy and the perils -LRB- cause of loss -RRB- too see if your policy does indeed cover the loss . There are many home insurance policies and I can not comment on your policy , coverage and so on . However , I will say in my opinion this is a maintenance isse and would not be covered on your home insurance policy . It does get frustrating as a homeowner because you can not see everything but we are still responsible for the upkeep and maintenance of our property . Heck I recently had a hail storm in my area and had to put in a claim on my home and found I had dry rot on some window frames and had to deal with this issue myself . 