What if your cleaning lady spilled bleach in the middle of your living room floor She has no insurance and it is going to cost about 2500.00 to replace the carpet Does insurance cover this?

Your home insurance should cover that, but you would be subject to your deductible.

If you can get her to agree to pay the deductible, it will cost you nothing, but you may experience a rate increase in the future.

Of course, trying to get the cleaning lady to pay for the loss out of her own pocket would be best, but may be very hard to collect.

Lastly, small claims court is an option, but even if you are awarded a judgment, it does not guarantee that you will get your money back.