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WE bought the house last year, and since the purchase (which was a short sale, as is) the tiles )which are large ceramic tiles) have been popping up all over the place, cracking, and seperating. We were told that the glue that was used to secure them was bad, and so now I dont know what we can do except spend $ $ $ $ having the entire thing replaced. It hardly seems fair, and I was wondering if homeowners insurance covers something like this? We have tried to contact the company that built the house, and they refuse to return our calls (Lucas Construction in Vero Beach, FL). I wondered, has anyone got information on what we should do? It is getting dangerous around here!

6 Thoughts on the tiles in our house are popping up? Is this something that would be covered under home owners insurance?
  1. Reply
    November 30, 2011 at 12:11 pm

    HO does not cover this. However, if you know the name of the contractor that laid the tiles, you can have his “general liability” insurance policy pay for the damage.

  2. Reply
    November 30, 2011 at 12:56 pm

    call your insurance company, they would tell you, what one will cover another won’t so the best course would be just to have a claims adjuster come look at it, if they say no than your no worse off. good luck

  3. Reply
    Gorkbark Porkduke Gefunken Fubar
    November 30, 2011 at 1:15 pm

    The floor was improperly installed. One reason for the tiles popping up is there is movement in the sub floor, usually because it was not secured properly to the floor joists or the sub floor is not thick enough to support the tile, resulting in a slight up and down movement, which will break the mortar bond and cause the tiles to become loose and even break. It’s not that the “glue” was bad, ( the “glue” was not bad) it was that the installation was not done correctly. I have done floor tile installations and have replaced jobs that suffered from the same defects as yours: improper installation.

    I replaced a kitchen floor not long ago that looked like someone had gone around with a hammer and smashed big areas of tile. This was caused by the sub floor being too thin and the underlying plywood not being attached securely.

  4. Reply
    November 30, 2011 at 1:29 pm

    Manufacture defect or improper installation is not covered by a homeowners policy.

    You will have to pay to fix that out of pocket.

    As I understand it, builder warranties are only for 1 year. So you may not get anything for the builder. Additionally, you are not the original purchaser of the house….I don’t know that the builder warranty would extend to you.

  5. Reply
    Sweet Cat
    November 30, 2011 at 2:19 pm


  6. Reply
    November 30, 2011 at 3:02 pm

    The tiles popping up are a SYMPTOM of something. So, what’s causing the tiles to pop up? If it’s an inherent vice in the glue, then no. If it’s because, oh, there was a fire in the basement which caused everything to expand and now they don’t fit, yes.

    It’s all about the CAUSE.

    Homeowners insurance doesn’t cover maintenance stuff or inherent vice stuff. You’re not going to get anywhere with the builder. It’s possible the prior owner was paid by the builder, for the damages. In any case, YOUR sale was “as is” and you have no recourse.

    When you have it replaced, don’t go the cheapest route, and you’ll have a job that lasts longer.

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