Burst Hot Water Heather Flooded House

[Teddy Johnson]

I was hoping for some feedback.  I have a water heater that leaked while my tenant was at work.  It is located on the second floor and damaged the hardwood floors throughout, drywall, and probably  baseboards.  I currently have a water mitigation team out there that will take 3 days to dry out the place.

Does anyone know if this is normally covered in a policy?  I agreed to put the tenant in a hotel for 3 days while they dry out the place.  Can I terminate the lease if the repair is long term?  A friend who does hardwood floors says they are most likely shot because the hardwoods are glued to concrete and there's a good chance they are ruined.  

I have a DP3 policy and can't seem to be able to get any answers from the insurance company or agent... I have $150,000 in dwelling coverage, $5,000 in contents, and $32,000 in rent loss.  

Any thoughts or feedback?

[Rolanda Eldridge]

@Teddy Johnson...Seems like insurance would cover your items.  Damage  to a tenants personal items  is usually not covered..Most require renters insurance to protect their personal items..