Will I Have To Pay Extra To Replace Damaged Carpet

Flood and earthquake damage will likely require special coverage.

Will i have to pay extra to replace damaged carpet.

The carpet is 20 years old and is probably discontinued making a like to like match difficult. If the landlord has to replace the entire carpet two years before the end of the carpet s life expectancy then the tenant would pay the equivalent of two years worth of the carpet s price. Second seams are in the doorway everywhere. But in an effort to persuade the carrier to pay for full carpet replacement you need to establish that it is indeed necessary in light of the covered loss.

I ve had flood damage which dampened the carpet and padding in one room. Many issues aren t covered by insurance especially if they were due to damage you caused. Third if op has an ho5 policy there s a chance they might replace the whole carpet or at least replace it to the seams in the middle of the living room floor lol. Yes op needs to have replacement cost for the contents first.

The landlord should properly charge only 200 for the two years worth of life use that would have remained if the tenant had not damaged the carpet. Unless that is the landlord wants to withhold some or all of the deposit to pay for damages. The insurance adjuster will replace the carpet in only the room saying that they stop at doorways. The tenant could of course agree to the deduction.

Just because the carpet was damaged in one or two rooms does note mean they will pay to re carpet the whole house. They would pay only for the room. 10 years depreciation charge 1 000 10. So if the carpet has a ten year life expectancy the tenant would pay two tenths of the carpet s total price.

If the water sits for a few days however it s possible that further damage has been done and a simple water extraction and cleaning won t do the trick. Carpet life years remaining. Floor replacement may be covered by your homeowners policy but only if the damage was caused by an incident your policy covers. They do not owe to replace all the carpet.

In our example for damage to a carpet. The purpose of insurance is to put you back where you were since you had 10yo carpet they owe you 10yo carpet. 100 per year age of carpet. In this case the landlord is reimbursed for the cost of repair or replacement.

10 years 8 years. Full replacement cost insurance is great but that doesn t mean they have to replace things that were not damaged. Using the same example with a life expectancy of nine years and if a replacement carpet of similar quality would cost 2 000 the landlord could properly charge only 222 22 for only one years worth of life use that would have remained if the tenant had not damaged the carpet. I have the same carpet throughout the house.

Expected life of carpet. If you can hire a water damage specialist to come out and dry the area quickly enough you won t get new carpet but you might end up paying less than your deductible would have been.