Home Insurance Dry Rot
Dry rot would not typically be covered under a homeowners policy. This would normally be considered a maintenance issue for the homeowner. Remember every policy is different. Please read your policy completely to understand the coverage provided and any exclusions that there may be or contact your local agent to have them go over the policy with you.
Dry rot is a general exclusion for most insurers. If the dry rot can be proven to be the fault of bad building work - like, for example, botched plumbing - you might be able to claim back some of the costs.
There are different "options" or endorsements you may choose to add to your homeowner's policy here in Oregon. One of those options, which is discussed in this blog, is Fungus, Wet Rot, Dry Rot, and Bacteria. Normally, policies exclude coverage for the presence, growth, spread of any of these things
The job was so disruptive that we had to move into my parents' house for weeks. There, I spent all my spare time researching dry-rot cover online, speaking to insurance experts, and trying to get
Serpula lacrymans, or dry rot as it is more commonly known, is unsightly, unhealthy, and can seriously damage your home's structural integrity. Perfectly good joists, wood beams, and floorboards can become nothing but a crumbling mess once they're infected by dry rot, and, as the spores spread quickly, it won't take long before all the structural timber in your home comes under attack.
Since the repair of dry rot and water damage to the home is not covered by most insurance, the need for better, regular inspections are necessary to catch the problem early. Knowing where damages tend to occur and what to look for is critically important to finding moisture intrusion. Water stains, musty odors, warping panels, and soft wood are all signs to look for around the home.