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Is foundation damage covered by homeowners insurance?

Any damage to your foundation is covered unless your policy explicitly excludes it. For your foundation repairs to be covered by insurance, they have to be caused by an event your company ‘accepts’. Events homeowners policies generally cover that could cause foundation damage are:

  • Explosions
  • Vandalism
  • Collapse weight of snow, ice, or sleet
  • Windstorm
  • Riots or civil disturbances
  • Falling objects
  • Water damage from plumbing, heating, or A.C. overflow
  • Damage caused by aircraft
  • Damage caused by vehicles
  • Volcanic eruption
  • Lightning or fire

Cracks, settlement, and other types of damage to your foundation are not only serious to the structural integrity of your home, they can also be very expensive to repair. Depending on the extent of the damage and the method of repair, you could be looking at a hefty bill. But if you think your homeowner’s insurance will pay for it, you could be in for a surprise.

If you’re having foundation problems and notice the initialwarning signs of damage,get the problem repaired as soon as possible. By addressing these issues early, you could avoid more serious structural problems down the road. The best way to assess damage to your home’s foundation is to hire a contractor or foundation specialist. They will be able to tell you what caused the damage, which you can then use to decide whether a homeowners claim would be successful.

Insurance policies typically don’t cover anything occurring over time deemed wear and tear or regular scheduled maintenance tasks. For example, if pipes under your foundation have been leaking over the course of a year, the insurance company could deem this as a long-term maintenance issue. A claims representative would look for signs that the leak occurred over time; signs include mold, mildew, growth and other foundation issues that indicate the duration of the problem. Sudden incidents though, are often covered. A pipe bursting suddenly, damaging the foundation, would likely be covered, depending on your insurance company and policy coverage.

 

It’s good to discuss potential perils with your insurance agent, making sure you have the right policies for the risks in your area. Weigh the cost savings against the potential out-of-pocket costs when looking at deductibles.

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Tags: Foundation Leveling, House Foundation, Crack in the Foundation

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Our Services

House lifting



House lifting is the process of separating a building from its foundation and temporarily lifting it with hydraulic screw jacks. The process is the first step in structure relocation in which the building is moved to a different location.

House raising

House raising allows you to increase livable space without having to move.House raising can be a less invasive construction process and cost less (than new construction) because you are not disrupting what exists on upper floors.

House Elevation



The process is used when the homes slab and footings are poured together. Initially this involves tunneling under the home and driving push piers based on soil type, to exposing the footing or grade beams.

House Jacking



House Jacking is the process of separating a building from its foundation and temporarily raising it with hydraulic screw jacks. The process is the first step in structure relocation in which the building is moved to a different location.

House Moving



House moving means picking a house up from its foundation and setting it down elsewhere. See why house moving is an alternative to buying a new house..

Structure Lifting



Structure Lifting, Lowering, & Sliding. For projects in which cranes or other conventional handling equipment cannot be used because of excessive weight, dimensions or space limitations, the Heavy Lifting System often provides an effective solution.

Foundation Repair

Foundation Repair and cracking can present significant structural problems for your home along with a reduction in the home’s value. Repairing the foundation of a home is time sensitive—if not repaired quickly, it can lead to additional problems that are unrepairable, and the structure will be unsafe to live in.

Foundation Raising

Raising a foundation is an extreme form of repair in which a house is lifted, the old foundation is removed and a new one is built. This is done in situations where the house is intact, but the supporting structure has extreme damage.

Foundation Leveling

The term “foundation leveling” refers to the process of leveling an uneven concrete slab, crawl space or basement foundation to a satisfactory elevation. Foundation leveling can be accomplished using a wide-variety of different foundation repair methods.

Flooding Services

We have the expertise and the resources to handle any size disaster and can respond immediately to storm and flooding conditions. Professionals are dedicated to responding immediately to water and storm damage emergencies.

Underpinning

Underpinning is the process of strengthening the foundation of an existing building or other structure. Underpinning may be necessary for a variety of reasons: The original foundation isn’t strong or stable enough. The usage of the structure has changed.

House Leveling

House leveling is a term used to describe the process of lifting a home as close to its original state as possible. Leveling a house is usually accomplished by performing foundation repair. A home that is sinking at one end or multiple places likely has a structural problem.

Equipment & Storage

Heavy Equipment & Storage space is a must-have for your super heavy and awkwardly sized equipment, parts, tools, and machinery. WA conveniently store heavy equipment and bulk items from floor to ceiling.

Pyrrhotite Problems

If pyrite or pyrrhotite are present in the rocks underneath buildings, the swelling can push on the foundation, walls, and basement floor of the building, causing cracks and other structural damage. In some cases, groundwater can then transport sulfates into the cracked foundation, causing further damage.

Crumbling Foundations

Presence of pyrrhotite in the concrete combined with moisture and oxygen. Critical element is moisture and the interaction of pyrrhotite with moisture and oxygen. Homes with small amounts of pyrrhotite (less than 0.3%) still can experience crumbling foundations.

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