claim on home insurance?
Great thought RTholmes but unfortunatly it would probably not be covered under homeowners insurance.
A home ( the structure itself ) is covered for open perils, meaning it needs to be specifiacly excluded from coverage.Ie a groudwater is specifiacly excluded. But since it is an open peril policy, the coffee on the rug, if damaged would be covered as it is not excluded from coverage. Heck if a deer ran into the home and kicked holes in the wall, its covered. I paid a gentleman last week for new carpets in his home because he spilled paint on his living room carpet by accident while painting his home. The carpets ran into the DR, stairs and 2nd floor hall, and he was paid to replace them all because they are continous.
Personal property ie the computer is a named peril policy, meaning that the computer,tables, clothing, toys are covered by specific perils ( or causes of loss ) ie Fire, water from plumbing, wind,theft,hail, lightning. etc etc. Usually there is 16 named perils, spilling coffee on it is not one of them.
With that said Dastardly, if you want to PM me with your insurance companys name, i would be glad to look up your policy and review the coverages to see if there is a way to get it covered. I work for one specific company now, but use to adjust homeowner claims for over 40 different insurance companies, and still have copies of the policys.
Let me know
