Are floor joists covered by homeowners insurance?
On One Hand: Joists in a New House Are CoveredFloor joists are the supports below your floor. You can have joists made from steel 2x8s or, in an older house, natural round tree parts. Joists support your floor and, with time and dampness, the wood begins to sag. Insurance companies will not cover this type of damage if the house was bought with this as a preexisting problem.On the Other: Not Covered if It’s a Preexisting ConditionIf your house was bought new, or you have an insurance company asses the house, including the floor joists, before you complete the deal, your homeowner’s insurance will cover the joists.Bottom LineFloor joists are covered by homeowner’s insurance if they are not a preexisting condition. Ensure that the joists are in good condition before insuring the house.
