Insurance Claims for Carpet-Flooring: Step-by-Step Guide

Carpet-Flooring Inspectors are available to property owners, engineers, and insurance companies for flooring related insurance claims. Since insurance companies have the right to repair or replace damaged flooring disputes may arise; this is where the services of a carpet or flooring inspector comes into play.

Flooring inspectors are typically hired to:

  • Evaluate initial damage to evaluate the flooring for repair or replacement.
  • Settle insurance claim disputes between the property owner and insurance company before, during or after repair or replacement.
  • Inspect for faulty workmanship or product defects after repair or replacement.

We hope you never have to make an insurance claim on your home. But if you do, you certainly need to be prepared. It’s important to know how to react after the event and what to expect from the claims process. You should also be aware of your rights and privileges before, during and after your insurance claim is settled. The following is a brief guide for filing an insurance claim and the steps needed to repair or replace your carpet or hard-surface flooring.

Unfortunately, traumatic situations related to fires, floods, vandalism, soot, smoke, water or sewage happen in homes and businesses.

If you experience one of these tragedies and have to file a claim, it’s important to know there are qualified and certified flooring inspectors who provide services to the insurance industry. They can take the hassle out of your hands and get your home back to normal in a painless and timely manner.

Immediately After the Tragedy
These suggestions will speed the insurance claim process along:

  1. Contact your insurance carrier immediately.
  2. Stay clear of any damaged areas- your safety is of primary concern,
  3. Move furniture and valuable items to an unaffected area of your home to prevent further damage. Again, safety is key.
  4. Make a list of everything that has been damaged or destroyed for your insurance adjuster. Receipts, canceled checks, credit card statements, owner’s manuals will be very helpful. The more information you can provide, the faster an adjuster can process your claim.
  5. Don’t try to clean damaged items. If you don’t have the proper equipment, it may do more harm than good.
  6. Save your receipts for any costs that you incur due to your loss (cleaning, water extraction, etc.). Your insurance provider may reimburse you for these expenses.

After you’ve spoken with your insurance and they have approved the claim, it’s time for repair or replacement. The insurance company may refer you to a good flooring retailer who specializes in insurance and restoration claims. The flooring retailers are trained to work with you, the property owner, and your insurance company, saving time for everyone involved. Typically, the workflow of an insurance and restoration claim works like this:

  1. Either you (the policyholder) or your insurance carrier contacts a flooring specialist, giving a brief on the damages that have occurred.
  2. You, the insurance appraiser and/or the flooring specialist meet at the home to inspect damages.
  3. After inspection, a scope of work estimate is composed and presented to you and your insurance company.
  4. Once the scope of work has been approved, a work authorization is approved and the flooring retailer can begin the process of getting your home back to whole.


Although damages may appear irreparable, restoration companies are equipped to get carpet and flooring back to normal by extracting water, drying the premises, cleaning and disinfecting wastewater damage, and removing soot from fire damaged properties.

Insurance Carpet-Flooring Claim Disputes:

Certified Carpet-Flooring Inspectors work independently of the flooring and insurance business. They are hired to inspect, and provide the commissioning party with a non-biased evaluation of the flooring claim.

On occasion an insurance company may decline part or all of your flooring claim. These situations arise when the insurance company believes the flooring wasn’t damaged by the event, or the flooring doesn’t need to be replaced because it can be restored.

If this is the case, you, or your insurance company may hire a Certified Flooring Inspector to evaluate the product to determine if the material was damaged as claimed, and if they find that’s the case they will make a recommendation for repair or replacement.

Insurance appraisers, agents and engineers are aware of the services of independent flooring inspectors and they hire inspectors on a regular basis, and until now, most property owners had no idea this option exists.

Property owners may hire their own Certified Flooring Inspector. If the inspector finds their claim is valid and the flooring can’t be restored, the insurance company will be better prepared to make settlement.

Typical Insurance claims inspected by a Certified Carpet or Flooring Inspector:

Dispute: A wood floor cupped due to a flooded crawlspace. The insurance company believes it can be sanded and refinished. The property owner is concerned with moisture below the floor and latent defects that may appear after refinishing. The homeowner hired a Wood Flooring Inspector to determine if sanding and refinishing the wood floor was a viable option, and if there would be any future issues with the origina floor.

Dispute: A carpet got flooded from the hot water heater, the restoration company removed the excess water, disinfected the carpet, dried it, and now they want to install new pad and stretch the carpet back in place. The property owner is concerned with the long term effects of the water damage. The homeowner hired a Certified Carpet Inspector to determine if the carpet was stable enough for reinstallation, and if the carpet had any chance of falling apart or developing mold.

Dispute: A dropped object dented two boards on a wood floor: property owner wants the entire floor replaced. The insurance company wants to replace damaged boards. The insurance company hired a Certified Wood Floor Inspector to determine if the damaged boards could be replaced without replacing the entire floor.

Dispute: Ceramic tile flooring installed in a basement was flooded with 2′ of clean water from a pipe break. The insurance company made repairs to the walls and replaced furniture, but they declined the homeowners claim for replacement of the ceramic tile. The homeowner hired an attorney to file suit for their ceramic tile floor. The insurance company hired a Certified Ceramic Tile Inspector to determine if they were correct in declining the claim.

Dispute: A fire damaged carpet was replaced throughout a large four bedroom house. The property owner is unhappy with the installation because the carpet doesn’t match at the seams, tufts are coming out of the carpet around the walls and the pattern looks crooked. The flooring retailer claims the problem isn’t due to poor installation or a carpet defect. The insurance company won’t intervene because they settled and are no longer involved in the claim.

Dispute: A property owner claimed a heavy rainstorm caused water damage-through a roof leak and damaged their wood floor. A Certified Wood Flooring Inspector was hired by the insurance company to access the damage. The insurance company specifically wanted to know if damage to the wood floor was from a one-time event, or if it was the result of an ongoing roof leak.