renters insurance - What counts as damages to stuff you own when it comes to making a claim?
The main pipe in my apartment building was backed up, causing some flooding in my unit (living room, kitchen, laundry room, bathroom, bedroom closet).
The only thing that got completely ruined was my living room rug, so I tried to use my renters insurance to see if I could get some compensation for that, but they said something about not covering damages that don’t meet my deductible ($250).
Some other things got wet due to the flood (some of my shoes, some clothes I had on the ground) but generally dried up decently the next day.
They told me to call back if I saw there were other things that were damaged, but i’m not sure what falls under that label. Is it only things that are completely unsalvageable?
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