PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Loans
Car Loan
Compare Car Loans with Jerry
Jerry's Expert Advice
Car Loan Guides
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Does home insurance cover wood rot?
I’m having my house repainted, and my contractor found some wood rot around the windows. Will my homeowners insurance cover replacing the rotted-out window frames?
Rachel Rigolino · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
It’s unlikely your insurance will cover wood rot caused by natural wear and tear. Some of the main causes of exterior wood rot are having bushes too close to your siding and/or living in a rainy climate. Over time, this can create ideal conditions for wet wood rot.
That said, standard home insurance might cover wood rot in certain covered perils, such as damage caused by:
- A broken water pipe
- Leaking water heater
- Water damage caused by vandalism
- Water damage caused by another peril listed in your policy
Wood rot takes time to cause damage, so if an undetected leak caused by one of the perils listed in your policy has caused wood rot, you may be able to file a claim successfully. Also, keep in mind that most homeowner policies do not cover flooding and storm surge damage and this is a separate issue.
Insurance is a tricky topic to navigate. If you ever want to chat about the intricacies of insurance, just call or text
Jerry’s
friendly agents to get answers to your questions. They can even help you bundle your home and auto policies
to help you save money. No calling around. No hard work. Just savings. Best of luck with your home improvements!
View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
