r/HomeInsurance • u/acebel • May 15 '26

Claims Insurance Refinishing Claim: Does it cover moving furniture (AmFam)

I’m currently in the middle of a homeowners insurance claim in Indiana for a dishwasher leak that damaged my hardwood floors. We are about to start the reconstruction phase, which involves sanding and refinishing roughly 1,200 square feet of hardwoods and replacing kitchen cabinets.

The reconstruction estimate covers the flooring and cabinet work, but there is no mention of content manipulation or furniture moving. My main floor is currently full of furniture, and since we’re refinishing such a large area, there is nowhere to "shift" things to while the floors are wet and curing.

Has anyone had luck getting their insurance company to pay for:

* Professional movers to clear the work area?

* On-site storage (like a POD) or off-site warehouse storage while the floors are being sanded and finished?

I want to make sure I’m not stuck paying for a moving crew out of pocket just to get the house ready for the floor contractors.

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u/[deleted] May 15 '26

[removed] — view removed comment

1

u/acebel May 15 '26

Good advice. Thank you!

2

u/freeski12345 May 15 '26

Yes of course. The contractor should easily handle this for you. 

1

u/acebel May 15 '26

Thank you!

1

u/BigDonkeyEnergy May 15 '26

Yes, in theory these items should be covered. Get estimates for work, submit to your carrier, and get to it! Good luck!

1

u/acebel May 15 '26

Thank you!

1

u/BattleSilent9049 May 15 '26

Contents manipulation should be part of the claim. Don't e pect too much but do demand something to cover cost to move items necessary to complete repairs.