Homeowners Insurance: Does It Provide Coverage to Foundation Repairs?

Homeowners Insurance: Does It Provide Coverage to Foundation Repairs?

Apr 05, 2023


Homeowners insurance coverage for home foundation issues

If you're a homeowner, you may wonder if your insurance covers foundation repairs. Foundation damage can be a serious and costly issue, so it's essential to understand what your insurance policy covers and doesn't. In this post, we'll explore whether or not homeowners insurance covers foundation repairs and provide some helpful information to help you make an informed decision.

Causes of Foundation Damage

Many factors can cause foundation damage, including:

  • Soil issues: Expansive soils or soil settlement can cause a foundation to shift or crack.

  • Water damage: Flooding, leaks, or improper drainage can cause foundation damage.

  • Natural disasters: Earthquakes, hurricanes, and tornadoes can cause significant damage to a foundation.

How Does Homeowners Insurance Reimburse for Foundation Damage?

In most cases, homeowners insurance policies do not cover foundation repairs. However, there are some situations where foundation damage may be covered. For example, suppose a covered peril, such as a burst pipe, or a natural disaster, such as an earthquake or hurricane, causes foundation damage. In that case, your insurance policy may cover the foundation repairs.

You can buy additional endorsements to cover foundation repairs or damage caused by earthquakes or flooding, as standard homeowners insurance policies do not cover such losses.

Are foundation Cracks or Settling Covered by Home Insurance?

In general, foundation cracks and settling are not covered by homeowners insurance policies. These issues are typically considered to be the result of normal wear and tear and are not covered under most policies. However, if the foundation cracks are caused by a covered peril such as a fire or windstorm, or natural disaster, the repairs may be covered. Remember, foundation cracks or other damages that result from the damaged floor, settling or shifting earth, negligence, or lack of home maintenance will not be covered.

Signs of Foundation Damage

Several signs may indicate foundation damage, including cracks in the walls or ceilings, doors and windows that won't close properly, and uneven floors. Other signs may include gaps around windows or doors, cracks in the foundation itself, or visible damage to the exterior of the home.

As different homeowners insurance policies cover and exclude different things, as a homeowner, it’s important to understand what your insurance policy covers when it comes to foundation repairs. If you're unsure about your policy’s foundation coverage or have any questions about your policy, it's always a good idea to speak with your insurance agent. They will help you understand your policy’s terms and conditions concerning coverage and exclusions.

Stay Covered Against Your Home’s Foundation Repairs with Bell Black Insurance

If you're looking for a reliable and trustworthy insurance agency to help you with your homeowners insurance needs, look no further than Bell Black Insurance. With extensive experience and expertise in the insurance field, we are committed to providing personalized and comprehensive home insurance solutions to meet the unique needs of our clients. Contact us today to get the right coverage for your foundation damage under homeowners insurance.