Does homeowners insurance cover sill plate?

Updated: 9/20/2023
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12y ago

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If the sill plate suffered damage due to a covered peril such as Wind, Hail, Fire, etc it would be covered subject to your deductible.

In most cases, The location of a sill plate would not subject it to a natural peril. A sill plate would normally only need replacement due to normal wear and tear which is a maintenance issue and would not be covered under your home insurance policy.

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Q: Does homeowners insurance cover sill plate?
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