Carpets and Area Rugs can be tricky in claims involving water intrusion, flooding, and smoke damage. Whether wall-to-wall or decorative, these items often require full replacement, especially when backing materials degrade or odors cannot be remediated.

This category offers depreciation data based on material type, original cost per yard, and installation context. Wool, synthetic blends, and handmade rugs all retain value differently based on traffic wear, age, and upkeep.

Adjusters should use this section to justify floor covering reimbursements during large-loss interior claims or itemized personal property reports.