Will Homeowners Insurance Cover Flooring? 
If the peril -LRB- the cause of the damage -RRB- is coveredby your insurance policy , then the policy will pay to replace the flooring . The value of the house 's flooring is included in the Coverage A -LRB- dwelling -RRB- limit of your policy becauseit is considered a permanently installed furnishing of the house . So , then the question becomes , `` Does my homeowners policy provide coverage for damage resulting from -LRB- fill in the blank with your peril -RRB- ? '' You can read your insurance policy to find this information . The homeowners policy will have a list of covered perils included in the coverage form . If , after reading that , you still have a question as to whether the specific cause of your damaged floor is covered , you should contact your local agent and discuss it with him . 