Is Wet Rot Covered By Home Insurance? 
In general , no , home insurance will not cover wet rot . A homeowners policy is there to protect you from the sudden and accidental , not the ongoing . To file a claim , you have to be able to pinpoint what happened and when it happened . Wet rot describes a long time , ongoing circumstance . Your homeowners policy is designed to make you whole after an `` occurrence '' . It 's not designed to maintain your home . If you have a condition that could , potentially , damage your home , it 's the homeowners responsibility to correct that condition to protect your home from future damage . This brings up the question of the cost of your homeowners insurance . Every claim impacts the loss ratio of your company and , ultimately , your rates . Want to control the cost of your homeowners insurance ? Take a higher deductible and pay for the smaller things yourself . You 'll save money in the long run . 