If you had a property claim on your home owners insurance that involved replacing your hardwood flooring your insurance company might have tried only compensating you for a different type of hardwood flooring that costs less.
Hardwood flooring can often get damaged when there is water or fire damage. Your wood floors can swell, buckle, cup and be a total loss.
It’s important that you know and document what you had before it is removed.
Here’s a screenshot from Lowe’s of a solid oak hardwood flooring the costs $6.29 a Sq. Ft.
Solid hardwood flooring can last for ages and be refinished multiple times. It is made entirely of solid hardwood which is why it costs more.
Engineered wood flooring has a thin layer of veneer hardwood on the top layer and the bottom layer is usually plywood or some other man made substrate. Because it only contains a thin layer of veneer hardwood it is often much cheaper this one is the same specie but only costs $2.79 s Sq. Ft.
Once installed most people would not be able to tell the difference between the two. However the engineered is $3.50 a Sq. Ft. cheaper and often with engineered flooring the wear layer on the top is too thin to ever be sanded and refinished.
This leaves you with a floor that can not last as long as a solid hardwood flooring. Yet if you had a claim on your homeowners insurance and needed 2,000 Sq. Ft. of hardwood flooring replaced.
Your insurance company could save $7,000 by not compensating you for what was originally installed in your house.
There’s a lot of other differences that we’ll discuss like if your flooring was finished on site vs. prefinished flooring.