If I spill paint on my carpet will insurance cover it?

Carpet is one of the first things people notice about your home. Not only does your carpet reflect your sense of style, it also adds to the value of your home. Because even average carpet can be expensive to replace, it is crucial to keep it in tip top shape.

Nothing is more disheartening than making home improvements and spilling paint all over your beautiful carpet. Paint can be difficult to remove, even with the help of a professional.

Some homeowner’s insurance policies do cover spills if the carpet needs to be replaced. This is typically under accidental damage coverage. In many cases, it doesn’t matter if you spill paint or burn some of the fibers, you’re covered.

How Do I Tell If I Have Accidental Damage Coverage?

The easiest way to tell is to pull out your policy and check the small print. Sometimes, the coverage will be clearly outlined in its own section. If you are unsure if you’re covered, it’s best to call your insurance broker and ask. Every policy is a little different and some may offer accidental damage coverage at an additional rate. Keep in mind that many carriers do not offer this type of coverage.

If you do not currently have accidental damage coverage, you may want to consider adding it for future use. Explore your homeowner’s insurance policy to see what your options are.

What You’ll Need to Do to Claim Coverage

Your insurance broker should describe in detail how to file a claim. Generally, you will need to take pictures of the damage and the cost of the carpet. If your carpet is older and cannot be repaired, you may need to get a few quotes from carpenters in your area. Be sure to follow any instructions your broker gives you carefully so that you can replace or repair your carpet right away. It is important to note that some policies may only cover to a certain amount. Be sure to ask what your coverage allows for before getting quotes.

If you spilt paint on your carpet or have any other signs of damage, talk to an expert today. There are many affordable restoration, repair, and cleaning services available.

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