Thank you!
2007-08-15 05:43:03 · 10 answers · asked by Anonymous in Business & Finance ➔ Insurance
that depends on whether you rent or own your house really - if you rent and the carpet not yours then its the buildings cover or the landlords contents policy which will cover them.
if you own the house then usually contents.
I work for a big insurer and we get asked this all the time!
2007-08-15 05:48:25 · answer #1 · answered by Anonymous · 1⤊ 2⤋
Contents
2007-08-15 05:45:54 · answer #2 · answered by Anonymous · 1⤊ 1⤋
You say "carpets" implying there are many small carpets, so I would say probably contents. Throw rugs are contents, accent rugs are contents, anything you decorate your home with is contents. Wall to wall carpeting that was professionally installed is part of the building and is considered a fixture a.k.a. "building." You will need to define the term carpets for yourself and then speak to your agent/claims adjuster regarding the claim. Good luck!
2007-08-15 09:11:20 · answer #3 · answered by Country Girl 2 · 2⤊ 0⤋
A carpet that is installed is part of the structure. However, some policies allow for carpet to be depreciated.
An area rug is contents.
An easy rule of thumb - if you would take it with you if you move, then it is usually contents. If it is attached to the structure and you would leave it if you moved then it is usually part of the structure.
2007-08-15 10:55:58 · answer #4 · answered by Boots 7 · 2⤊ 0⤋
Wall to wall carpeting is flooring therefore a building item (same as hardwood, tile or vinyl flooring). Area rugs no matter how large are contents. The defining criteria is whether it is attached to the building. Built-in cabinets, flooring, fixtures, built-in appliances, furnace, etc are building items. Furniture, slide-in or free standing appliances, dishes, clothes, bedding, etc are contents.
2007-08-15 06:09:26 · answer #5 · answered by Sue 6 · 2⤊ 1⤋
It varies. If it's an area rug, it's clearly contents. If it's wall to wall over concrete or subflooring, it's clearly building. If it's wall to wall over a hardwood floor, or other finished floor, it's more likely to be contents than building.
But you're going to have to ask YOUR AGENT for policy specific information on that.
2007-08-15 07:51:26 · answer #6 · answered by Anonymous 7 · 3⤊ 1⤋
Contents....
2007-08-15 05:50:29 · answer #7 · answered by Anonymous · 1⤊ 1⤋
Contents! definitely not buildings.
2007-08-15 05:52:35 · answer #8 · answered by Anonymous · 1⤊ 1⤋
contents
2007-08-15 05:55:32 · answer #9 · answered by DIANNE P 1 · 1⤊ 0⤋
If you rent, check with your landlord/lady. If you own the property then it is on your contents insurance.
2007-08-15 05:51:24 · answer #10 · answered by psychoticgenius 6 · 1⤊ 1⤋