Does Home Insurance Cover Foundation Repair?

​Homes need a solid foundation for insulation, groundwater protection, and protection against earth movement. It can be very frustrating as a homeowner to learn that you have a problem with your home's foundation. Foundation issues can be swiftly and inexpensively remedied or require significant and expensive repairs.

The good news is that your house's foundation is protected against certain hazards by home insurance. Keep in mind that some causes, such as regular wear and tear, and deterioration that plague old home foundations, do not qualify for coverage. Find out what foundation problems should be covered by your home insurance and how to prevent them altogether.

Common Foundation Issues
Your home's foundation and the basic structure should be repaired under your insurance coverage. Your best option is to hire a foundation specialist to look into the matter and establish the cause of your foundation's problems. 

They can help you determine the source of the damage, its scope, and the cost of repair. Their report should be useful if you choose to file a claim with your insurance provider.

The most frequent causes of foundation issues include the following:

• Natural catastrophes
• Construction flaws
• Leaking pipes
• Excessive soil moisture or drought

When Is Foundation Repair Covered?
Every risk or reason for harm that your insurance company may pay for is listed in your homeowner's insurance policy. Examine the dwelling section of your insurance coverage firm to see if the foundation damages the property. There's a likelihood that your homeowner's insurance won't cover repairs if a specific incident didn't cause your foundation problems.

The majority of homeowners insurance plans offer aid with foundation repair for the following hazards, including

• Water damage
• Fire
• Vandalism
• Explosions

Examining your insurance carefully is crucial to determine which vulnerabilities are covered.

When Is It Not Covered?
Although many causes of foundation damage are covered by home insurance, not all of them are. Floods and earthquakes are specifically excluded from almost all home insurance policies. Additionally, home plans do not offer foundation repair insurance when the foundation issue arises from regular wear and tear. 

Also, if your foundation results from poor construction, don't count on receiving foundation insurance from your homeowner's policy.

Conclusion
A healthy home is built on solid foundations, so do your best to maintain yours. You can't control everything, so you must know that your home insurance may protect you if things go awry.

At Auto Express Insurance, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (832) 232-4655 or Click Here to request a free quote. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!