Is Wood Rot Covered By Homeowners Insurance? 
Wood rot is something that occurs over a period of time . A loss must be sudden and/or accidental . Since wood rot would not occur suddenly this would fall under general maintenance and upkeep of a homeowner we often call pride of ownership . Any type of normal maintenance and/or wear and tear are not perils of a homeowners insurance policy . If you are not sure as to what caused the wood rot I always recommend to talk to your local agent about the potential loss . 