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It depends on the reason for the sagging floors, but since sagging floors are usually a sign of foundation damage that you could have avoided, chances are your homeowners insurance policy will not cover the necessary repairs. Not only that, but your provider likely won’t cover the actual foundation damage that is causing the issue either, as it’s considered an avoidable type of damage, and negligence isn’t covered by most insurers.

In general, vinyl flooring resists scratches, dents, and tears, but this can vary from one type of vinyl (and manufacturer) to another. Vinyl flooring has a wear layer that ranges in thickness from 6 to 20 millimeters. This layer offers protection against standard scratches, but vinyl with a thicker wear layer will resist scratches better than those with a thin layer.

Soft spots in a mobile home floor can be caused by settling of the foundation or by improperly installed foundations. If the foundation moves, it can create stress on the floor material, causing soft spots to form. Water damage can also cause soft spots in the floor, so it’s a good idea to get a pro to inspect your floors if you have soft spots.

If you have mold under your vinyl flooring, it’s recommended that you have it ripped out and start fresh. Mold isn’t something to take lightly and should involve a visit from a professional who can both test and identify the mold. If you’re determined to remedy it yourself, wear all the proper protective equipment—eye goggles, a high N-rated mask, and long, disposable gloves.