Water heater broke

I'll add that if he was planning on doing it already I'd just pay for it without taking the hit to my insurance.

Unless you are set on hardwood you should consider LVP.

Yeah, I shut off the valve.

Happened to me few years back, they will pay to replace what you have now(carpet in whole house probably even if some rooms not flooded. But they might make you get approval from whoever has your mortgage as they want you to actually use the money to fix the issue. We were thinking of switching to laminate floors anyway so that's what we spent money on.

Thanks for the responses everyone!

Be sure to close the drain valve since you already made the claim...

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My question is, can we replace the carpet with hardwood and have the insurance pay for it OR will we have to pay a little extra to replace carpet with hardwood?? Thanks in advance

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Your homeowners insurance will determine the replacement cost (RCV) of your carpeting. They will then apply depreciation and pay the actual cash value ( ACV) of the loss and then apply the deductible. The balance between RCV and ACV is called hold back.

Once you replace the flooring they will issue a supplemental check for the hold back. If you install a more expensive replacement flooring you will have to pay the difference.

Insurance pays for what you lost, not what you want. So they'll pay for the value of your carpet, plus removal of it, and installation costs of new carpet. Usually you'll have to send the insurance check to the bank that holds your mortgage, which will then issue a partial or whole check back to you after you jump through some hoops. If you spend the proceeds on hardwood, it should be fine, but you'll have to kick in the difference out of your own pocket.

This is how it generally goes if you don't use the insurance company's preferred contractors. Depending on the insurance company, your policy, and your mortgage holder, there could be variations here and there. See if you have a temporary accommodation provision in your policy if you don't want to have to stay in your house while the contractors are working.

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I'll add that if he was planning on doing it already I'd just pay for it without taking the hit to my insurance.

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This, having them pay for carpet and the additional cost of wood flooring will not be beneficial when your rate goes up or they decide to drop you.

Plus, I would look at installing a drain on your drip pan.