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Is Foundation Repair Covered by Homeowners Insurance?

Sunday, July 11th, 2021 by Lydia Peth


Need to repair your foundation? Worried about cost and how you will finance this project? Let’s discuss whether or not foundation repair is covered by homeowner’s insurance. 

Yes, your foundation is covered by homeowner’s insurance, but there are current policies that may exclude this. To simplify this for you, the event that caused the damage to your foundation determines whether the insurance company will cover the repair. We know that not everyone has the same insurance company, but most companies follow the same policies when it comes to foundation damage. 

Most insurance policies will cover these events: 

  • Explosions 
  • Windstorms 
  • Falling objects 
  • Water damage caused by heating or A.C overflow 
  • Water damage from plumbing 
  • Lighting or fire 
  • Civil disturbances/vandalism 
  • Damage caused by vehicles 
  • Collapse weight of sleet, ice, or snow

Typical events that are not covered by insurance policies: 

  • Earthquakes/floods 
  • Tree root pressure 
  • Construction faculties 
  • Natural settling: shrinking, bulging, cracking, or foundation expansion 

Events that are covered by insurance policies allow you to file a claim with your insurance company to get coverage for your foundation damage repairs. Reach out to your insurance to discuss these policies and what to do in situations that damages may not be covered.

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