will home owners insurance cover replaceing rotten logs in a log cabin?

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My parents built a log cabin 20 years ago,now the logs where the porch attaches are rotten,they are retired and cannot afford this repair.if anyone knows about this,please let me know,thank you so much

4 Comments
  1. Reply
    sensible_man
    June 26, 2011 at 8:39 am

    No. Homeowners insurance is for natural disaster type coverage, not maintenance.

  2. Reply
    Walt
    June 26, 2011 at 9:03 am

    Have to agree with Sensible, insurance is for unusual damage caused by nature not to allow you to upgrade your cabin, Time to shell out for repairs . After 20 years you should have expected some repairs to be needed.

  3. Reply
    rob s
    June 26, 2011 at 9:17 am

    No sorry, just as the others said. It would cover it if the rotting was caused by a water leak such as from a water heater. But won t cover natural water and water leaks , this is a normal preventable leak. GL

  4. Reply
    intrepid
    June 26, 2011 at 9:31 am

    1. Do they now have “Home-owner’s” Insurance?

    2. If they do, call their Agent and ask.

    Otherwise, it’s a no brainer. Unfortunately, no one will insure them for “preexisting” damage.

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