A wooden floor is torn apart after being damaged by water. The longer water sits, the more it can seep into the floor, including the slab or wood substructure under the flooring. (Credit: Leonard/Adobe Stock)

Before approving a claim, it is important to have stone, tile, terrazzo or other hard flooring thoroughly evaluated and properly cleaned. The proper treatment of these surfaces after a flood can save the floor and the high cost of replacement.

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