You would need to check the terms of your policy. It would be unlikely though - since they could claim you were negligent in allowing the bath to overflow in the first place !
heating oil? that is considered a polluntant and generally excluded as a cause of loss
Carpet DamageYes, if it was damaged due to a covered peril under your policy it will be covered.
If the carpet was damaged from a listed peril (smoke, fire, etc.), the average policy will pay (after your deductable) to have it cleaned or replaced, depending on the damage.
Damage caused by dosmetic animals is excluded in all homeowner's policies and it is unlikely that SC would require an exception for this exclusion for policies issued in their state. Water damage to carpeting from a plumbing system leak (if sudden as opposed to a slow leak over time) is a covered loss. Could it be that the water damage did not destroy the carpet as it could be dried and cleaned but due to the pet damage it was ruined? //
Begin by locating an Insurance Agent that will be able to assist you in all of your insurance needs. The phone book is one source to check for agents, as well as online and the local Better Business Bureau.
A carpet steamer can damage carpet depending on what type of carpet it is. Man-made plastic-based fibers are most likely to be damaged. In most cases, a steamer will not harm carpet. However, if you are concerned, do a test cleaning in an inconspicuous spot.
The best way to prevent carpet water damage is to call a professional. They have the tools to clean the carpet powerfully and efficiently before it is too late to do anything.
They can. If it looks like the casters may damage the carpet, you can jury-rig it with cardboard or some other fix to prevent such damage.
Hanwha Damage Insurance was created in 1946.
Pests, Insects, fumigation and bug spraying are part of a property owners usual and expected maintenance costs. Homeowners insurance does not cover maintenance.
Only if the carpet sustained damage above the standard of normal-wear and tare. Fraying carpet, dirty spots, and loose carpet nails are all considered normal wear and tare and are exempt from damage claims.