Skip to content
Click to Call
Birmingham Insurance Brokers

2807 Greystone Commercial Blvd., Ste. 44
Birmingham, AL 35242

Get Directions

Featured Birmingham Insurance Brokers Blog

Insure New Flooring Materials in Your Home

The new flooring that was installed in your home could become damaged at some point. If a natural disaster or criminal activity results in damage, your home insurance policy may pay for the repair work needed. Use the tips below to assess the flooring and update your home insurance coverage.

Flooring Materials

Some modern floors consist of a top, middle, and base layer. Other floor styles may only feature one or two layers. Assess the flooring materials that were installed in your home.

Consider the value of each material that the floor is made of. You will need to provide a description of the floor when you are ready to insure it. The dimensions and style of the floor should be furnished during this time.


The new flooring materials will undergo normal wear and tear. This is to be expected. However, flooding, vandalism, or another unexpected event could cause extensive damage.

Assess the risks associated with owning new flooring. If you live in an area that often floods, the flooring materials may become exposed to rising waters at some point. The risk level could influence how much insurance coverage you need for the new flooring materials.


Seek some ways to protect the flooring. The use of floor mats will prevent the floors from becoming scuffed. Avoid placing heavy, sharp items on top of the flooring materials. If flooding is a big concern, have your property’s drainage materials inspected. Replace any drainage materials that are damaged.

Contact Birmingham Insurance Agency LLC

Contact an agent who serves Birmingham, AL. Our representatives of Birmingham Insurance Agency LLC provide our customers with solid insurance advice.

Partner Carriers

  • Allstate
  • American Modern
  • Chubb
  • CNA
  • Dovetail
  • Encompass
  • Foremost Signature
  • Foremost Star
  • Guard
  • Hiscox
  • Liberty Mutual
  • National General
  • Nationwide
  • Openly
  • Progressive
  • RLI
  • Safeco
  • State Auto
  • The Hartford
  • Travelers
  • Universal P&C