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

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

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

  2. Reply
    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
    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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