Is A First Floor Cbs And Second Floor Wood Insurance

Floor laying finishing and refinishing operations are specialty carpentry exposures involving the actual construction and laying of floors in residential or commercial buildings.

Is a first floor cbs and second floor wood insurance.

Many issues aren t covered by insurance especially if they were due to damage you caused. Concrete block first floor and wood frame second floor. We both grew up in concrete block homes in south florida so that probably skews our opinion a bit but here s our list of the pros and cons of each construction type. The other areas in the state generally build cmu homes even though the majority of homes with a second floor are constructed out of engineered wood frame construction.

The insurance company is saying they want to wait 30 60 days before sanding it to see if they can salvage the boards instead of replacing it. In my opinion either method is acceptable because both methods meet all current building codes which require the structure to withstand 120 mph winds. This may or may not include the installation of floor coverings such as linoleum tile or carpeting. It gets windy too.

However you may be able to file a claim under specific circumstances. If you buy a newer two story home anywhere in florida you will likely get the equivalent of a chocolate vanilla swirl cone. The prefinished hardwood was damaged and is warped. Making the argument when filing an insurance claim.

The worst one in the last 60 years was fabian and that only had winds of 120 mph. Flood and earthquake damage will likely require special coverage. We had a remediation company come in and dry our home. To the person in mexico a category 1 hurricane is not exactly noteworthy in south florida but it could definitely do lots of damage to other parts of the us depending on their building codes.

Floor rot because it can be prevented by regular maintenance often falls under the normal wear and tear or negligence exclusions in your insurance contract. In my opinion either method is acceptable because both methods meet all current building codes which require the structure to withstand 120 mph winds and. First of all it is a tiny island and therefore barely gets a direct hit. Jansen says besides varying by state insurer and policy the issue of patching versus full replacement depends a lot on individual insurance company adjusters.

The wood floor is continuous throughout the first floor. Reitz says there s less push back from insurers about replacing an entire counter or floor than for replacing a roof or all the siding.