Floors Damaged? Here's What Happens Next.

Frequently Asked Questions

What should I do first after my floors are damaged?

Safety first. If there's standing water, turn off electricity to the affected area if you can do so safely, and stay out of rooms with sagging ceilings or other structural concerns. After a fire, don't go back in until the fire department says it's safe. If water is still coming in, shut off the main water supply. Then take reasonable steps to prevent more damage, like moving furniture and rugs off wet floors, and keep receipts for what you spend.

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How should I document the damage?

Before anything is cleaned up or removed, take plenty of photos and videos: wide shots of each room, close-ups of the damaged flooring, and the source of the damage if you can see it. Note the date and time. If you can, save a small sample or leftover piece of the existing flooring, because it can help a lot with matching later. Keep a running list of damaged items and every conversation you have about the claim.

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When should I call my insurance company?

As soon as you reasonably can. Most policies expect prompt notice of a loss. Have your policy number handy, describe what happened and when, and ask what they need from you next. Write down your claim number, your adjuster's name and their contact information.

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Does Floor'd do water extraction or dry-out?

No. Water removal and drying are done by a mitigation company with professional equipment. Floor'd handles the flooring rebuild once the area is dry, including tear-out of damaged flooring, subfloor prep and new floors, and helps homeowners through the insurance process along the way.

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Why does dry-out have to happen before new floors go in?

Installing new flooring over wet subfloors or hidden moisture can lead to mold, warping, buckling and failed adhesives, and you could end up paying to do the job twice. A mitigation company typically removes the water, takes out materials that can't be saved and dries the structure. Once moisture readings confirm the area is dry, it's time to rebuild the floors.

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What happens during the adjuster's visit?

The adjuster inspects the damage, takes photos and measurements, and reviews the cause of loss to decide what the policy covers. Walk them through every affected area and share your photos and notes. If you already have a flooring estimate, you can share that too. Don't hesitate to ask what's included and what the next steps are.

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Can I choose my own flooring company?

Generally, yes. Most homeowners can choose the contractor they want for the repair, even if the insurance company suggests a preferred vendor. Every policy is different, so check your policy or ask your adjuster if you're not sure. Floor'd is happy to work alongside your insurance company and adjuster.

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How fast can Floor'd give me an estimate?

Floor'd completes flooring estimates within 24 hours of your first call. Each estimate is itemized the way your specific insurance company needs it, with materials, removal, prep, installation and trim on their own lines, so you can share it with your adjuster.

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What if my new flooring won't match the floors in the rest of my home?

This is a common concern, especially when flooring runs from room to room. Products get discontinued, and even the same product can look different from one batch to the next. How matching is handled depends on your policy and your situation. Some policies address replacing continuous flooring so it looks uniform, and others don't, so ask your adjuster how yours handles it. Floor'd will help you look for the closest match and document your options so you can have that conversation.

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Can I upgrade my flooring and pay the difference?

In many cases, yes. If your claim covers like-kind replacement and you'd rather go with something different, like trading carpet for luxury vinyl plank, you can often apply the covered amount and pay the difference yourself. Talk with your adjuster about how they'll handle it. Whatever you choose, it's your floors, your way, and there's no pressure from Floor'd either way.

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What is a supplement, and what if more damage turns up?

A supplement is a request asking your insurance company to cover work that wasn't in the original estimate, such as damage that shows up once the old flooring comes out. If your mitigation company doesn't help with supplements, Floor'd will. Homeowners are never alone in the process.

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How does my deductible work?

Your deductible is the amount you're responsible for before your insurance coverage kicks in. It's usually subtracted from the claim payment. Your policy and your adjuster can tell you your exact deductible and how it applies to your claim.

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How long does the whole process take?

It depends on how bad the damage is, how long dry-out takes and how fast your claim is approved. Dry-out often takes several days, and claim approval can take longer. Those steps come first. After that, Floor'd typically completes installation within a week of product selection and your down payment, and keeps you updated as things move.

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How does payment work with Floor'd?

Floor'd asks for half of the project cost as a down payment and the other half when the job is complete. Insurance checks are sometimes made out to both the homeowner and the mortgage company, which can add steps, so ask your insurance company how your payment will be issued.

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What do I get when the job is finished?

When installation is complete, Floor'd provides a final invoice, and you and Floor'd sign a completion certificate together. That gives you and your insurance company a clear record that the flooring work is done.

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Does Floor'd offer a warranty?

Yes. Floor'd offers its own one-year warranty on its installation workmanship. Products are covered by their manufacturers' warranties, and Floor'd acts as your liaison on those claims, so you have someone in your corner if a product issue comes up.

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How can Floor'd help with my claim?

Floor'd makes the flooring part of your claim simpler. You get an itemized estimate within 24 hours of your first call, set up the way your insurance company needs it. Floor'd can talk with your adjuster about scope, measurements and product details, so you don't have to play middleman, and will help with supplements if your mitigation company doesn't. You can book a no-fee In-Home Consultation, where our mobile showroom brings samples to your door so you can see them next to your existing floors, or visit the Little Rock showroom Monday through Saturday, 8am to 8pm. Floor'd handles installation for homes and businesses, including trim and transitions, and pricing is the same across the 22 central Arkansas cities we serve.

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What should I have ready when I contact Floor'd?

It helps to have:

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• Your claim number and your insurance company's name

• Your adjuster's name and contact info, if one has been assigned

• Photos of the damage and the existing flooring

• A sample or leftover piece of your current flooring, if you have one

• The mitigation company's dry-out paperwork or moisture readings, if available

• Any estimate or scope of loss from your insurance company

• A rough idea of the rooms involved and any style or budget preferences

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Don't have all of this yet? That's okay. Call Floor'd at 501-297-3871 and we'll help you figure out what's next.

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This FAQ provides general information only and is not legal or insurance advice. Insurance policies and coverage vary, so review your policy and talk with your insurance company or a licensed professional about your situation.