Concrete Slab Moisture Testing
It might be worth the investment to have your concrete tested prior to installing floor covering materials over a concrete slab.
If concrete has high levels of moisture in it then the floor that is installed over it could become damaged over time. Carpet and padding could develop a mold problem from the moisture. Hardwood floors and laminates could start to delaminate or warp and ceramic tile could start to uplift and become loose as the grout starts to crack.
Damaged floor claims usually work off of a sudden and accidental occurrence. Such as roof leak from a recent storm that damaged the floor from the result of that particular storm event. Another example would be if a plumbing pipe burst suddenly causing floor damage. Wear and tear exclusions typically exclude coverage from long term repetitive seepage or on going leaks over a period of time. Most insurance polices consider a period of time to be weeks, months or years.
Weeks can be interpret as 14 days. Meaning, 13 days is not considered to be weeks but rather a week and 6 days. However, weeks in the plural sense equals 14 days or longer. That said, damaged floor claims filed over time will typically be denied if not sudden and accidental within the time period stipulated in your policy.
Another thing to remember is that once you file a claim it will be on your claim record. That’s right…no matter if the floor is considered to be a covered loss or is denied for being a repetitive long term wear and tear situation. That’s right, a claim filed or even an inquiry to a claims department is documented in your file and placed in a database called CLUE. Comprehensive Loss Underwriting Exchange with regards to your inquiry on that property.
Inclosing, if you are considering replacing your floor because it was damaged from a long term moisture problem then you might consider looking into hiring professional to monitor the moisture levels prior to installing another floor.
If you have any questions at all with regards to property damage and the homeowner insurance claim process, then please contact us
Call (215) 364.4546
Your Bucks County Public Adjuster