Hellobee Boards

Depends on how much damage you think you have and how much your deductible is.

Definitely call.

Start taking pictures and keep all receipts

It doesn't matter if you just want them to come give you an estiamte for the claim. Then you can decide if you want to file it or not.

We made a similar claim after the water line in our kitchen leaked on our wood floor. Because they couldn't match for replacement boards, the claim coverd replacement of all the flooring.

Depends on the damage.
We made a claim and our insurance went up almost 1k for 5 years. We didn't know that would happen at the time and I would have been pissssssed if our claim was less than that (a break in) but luckily (or unluckily for us depend on how you look at it I guess) our claim was more than that so we didn't end up losing money to make a claim.
Some insurance companys also never drop back as low as you had it before cause once you lose the "no claim" discount, it's gone forever. This happen to a friend of mine, that had he known, he wouldn't have made the claim!

@MaryM: Yes that was always my undersatnding. They woudl come out and assess the damange, Then you would decide if you want to "pay" the deductible and file or not. I mean if the damage is over $1,000 there arne't a lot of reasons not to file bc its money back for you.

@MaryM: You should get reimbursed though for market value of hte work. We got reimbursed for costs for fixing the leak and replacing the floor and drying it out. We used our own fans to dry it out and DH fixed the leak. That gave us more money to use towards floors.

You can always ask but I think you have a year to file the claim.

@MaryM: We had to replace our entire living area - living room, dining room and hallway, because there was no way to just put some hardwood down and not change out the rest. The water damage was throughout the living room and into the dining room. We have concrete subfloors (condo building) so it needed to be dried out and sanded/smoothed out before the floor could be put down. Even if you have a smaller area, I'd still be surprised if you hit less than 1K. It probably would be less than ours, because we also had to replace real hardwood, and parquet is cheaper, but unless you want to absorb a lot of cost, it probably would still be worth calling. The other piece I'd add is a lot of insurance won't cover extensive claims if you took care of something on your own and there was an issue that compounded the problem after the fact (ie, if you don't dry the floors out sufficiently and get mold, etc.) so it might be worth to file from that perspective as well.

@MaryM: That's totally fair. I think if your gut and experience tells you it's not worth it, then trust that. My husband and I are so clueless in all things home ownership that we wouldn't even know where to start with all that so my gut reaction to everything is to get insurance involved unless cost wise it's borderline.

@PurplePumps: at the time Tower Hill, when we moved we had to switch companies. Now that damn claim has dogged us in terms of eligibility.

@MaryM: ha ha, that's good he knew to call in the pros sooner this time!

Our roof leaked and warped some of our wood flooring. The wood flooring is throughout our whole main area of the house, including the living room, kitchen, breakfast area and hallways, but only one small area was affected. Because it was older floor that you couldn't replace just one board on, the home insurance replaced all of the hardwood floors throughout. And the roof. It cost about 30K and so far no raise of rates. But it was due to a hail storm so they said that was an act of God that doesn't affect individual rates or something like that. We have Amica and LOVE them. Like, I'd do commercials for them I love them so much.

@MamaG: nice!