Branch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance Carriers
The best way to look when filing a claim on your home is to ask this question. Was the damage sudden and/or accidental. Dry Rot is something that happens over a period of time and really falls on the homeowners as part of maintenance of his or her property. As we like to call, Pride of Ownership. So in other words dry rot is not a covered peril.
Agent/Agency Owner, Encore Insurance Group of Omaha, Omaha, NE
I am going to have to give you the boring insurance agent answer:
You need to check your policy and the perils (cause of loss) 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.
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You need to check your policy and the perils (cause of loss) 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.