Does Home Insurance Cover Wood Rot?

If you’re like most people, you probably don’t think about home insurance until something bad happens. And if something bad does happen – like a big storm that causes water damage – one of the first things you’ll wonder is whether or not your policy will cover it. One common question homeowners have is whether or not their policy covers wood rot. In this blog post, we’ll answer that question and talk all about wood rot and home insurance policies!

Find the Best Homeowners Insurance

Compare Options From Insurers Near You:

What is Wood Rot?

Wood rot, also known as decay or dry rot, is a widespread problem that affects both homes and public structures. Common sources of wood rot include natural processes like moisture and mildew, as well as human activities like excessive moisture and poor maintenance. When left untreated, wood rot can cause serious structural damage to your home, resulting in everything from cracks in the walls to holes in the roof. In some cases, wood rot is so severe that it can actually compromise the structural integrity of your home, putting you and your family at risk.

Wood Rot Damage and Home Insurance

Unfortunately, most home insurance policies do not cover wood rot. That’s because insurers consider it to be a preventable problem – in other words, something that homeowners should take steps to avoid. And while there are some things you can do to prevent wood rot (like keeping your gutters clean and repairing any leaks), it’s ultimately up to the homeowner to keep an eye on things and take action when necessary.

You’ll likely have to pay for repairs out of your own pocket if you had wood rot in your home. And depending on the extent of the damage, those repairs can be pretty expensive. So if you’re thinking about buying a home with wood rot, or if you already have wood rot in your home, be sure to factor in the cost of repairs when budgeting for your new home.

The Exceptions

However, it’s important to keep in mind that not all policies are the same. Some insurers may offer limited coverage for wood rot, or they may include it as part of a rider (an add-on to your policy that provides additional coverage). So if you’re concerned about wood rot, be sure to ask your insurer about the specifics of your policy. You may be surprised to find that you have some coverage after all.

Make a Claim

In order to make a claim, you’ll need to have proof that the wood rot was caused by an event that is covered by your policy. For example, if you have a policy that covers water damage and you can show that the wood rot was caused by a pipe that burst, you’ll likely be able to make a claim. However, if you can’t prove that the

Preventing Wood Rot

Wood rot is a serious problem that can cause significant damage to your home. But there’s no need to despair – there are some simple steps you can take to prevent wood rot from taking hold.

First, make sure to regularly inspect your home for any signs of water damage. If you find any wet or damp areas, be sure to dry them out quickly to prevent the conditions that lead to wood rot.

Second, keep an eye on any trees or shrubs that might be growing too close to your home. Overhanging branches can create moisture traps that promote the growth of wood-rotting fungi.

Finally, don’t forget to repair any cracked or peeling paint as soon as possible. Allowing moisture to penetrate the surface of your wood can lead to serious problems down the road. By following these simple tips, you can help keep your home in tip-top shape and prevent wood rot from becoming a serious issue.


Fortunately, most home insurance policies will cover the resulting damage from wood rot. However, it’s important to keep in mind that there are some exceptions – so be sure to read your policy carefully and contact your insurer if you have any questions. 

And remember, the best way to deal with wood rot is to prevent it from happening in the first place. By taking some simple steps, you can help keep your home in good condition and avoid the costly repairs that wood rot can cause.

Find the Best Homeowners Insurance

Compare Options From Insurers Near You: