Your home’s foundation is, quite literally, what holds everything together. So, when something goes wrong, you might be wondering: Does homeowners insurance cover foundation damage? The answer? It depends.
Here in this guide, we’ll break it down in simple terms so that you know precisely what you can expect from your policy. Let’s get going!
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Does Homeowners Insurance Cover Your Home’s Foundation?
The short answer is: sometimes. Homeowners insurance usually covers foundation damage if it’s caused by a covered peril a kind of event your policy protects you against. But it won’t cover damage caused by normal wear and tear or neglect.
Understanding what your policy covers can save you from unexpected repair bills. Keep reading to learn more about when foundation damage is covered, when it isn’t, and how to make claims.
When Does Homeowners Insurance Cover Foundation Damage?
Homeowners insurance typically covers foundation damage if it’s due to a covered peril basically, something your policy expressly protects against. These may be:
- Fire –If a house fire ruins your foundation, insurance should cover repairs.
- Explosions – Whether it’s from a gas leak or another cause, explosions are typically covered.
- Falling Objects – If a tree falls on your home and cracks your foundation, your policy may help.
- Vandalism – If your foundation is intentionally damaged, insurance might get involved.
- Water Damage (Sudden & Accidental) – A broken pipe that damages? Likely covered.
- Wind & Hail – If a bad storm causes foundation problems, insurance may help.
Each policy is different, so always check with your provider.
When Is Foundation Damage NOT Covered?
Unfortunately, not all foundation issues are covered. Insurance companies typically deny claims for damage caused by:
- ❌ Normal Wear & Tear – Foundations shift naturally over time. That’s considered a maintenance issue.
- ❌ Floods & Earthquakes – Standard policies don’t cover these, but separate policies exist.
- ❌ Poor Construction – If foundation damage is due to bad workmanship, insurance won’t help.
- ❌ Tree Root Growth – Slow, gradual damage from roots usually isn’t covered.
- ❌ Neglect – If a small issue turns into a big one because of neglect, your claim could be denied.
Want coverage for floods or earthquakes? Consider purchasing additional insurance for these risks.
How to File a Foundation Damage Claim
Filing a foundation damage claim can feel overwhelming, but following a clear process can help ensure a smoother experience. Here’s what you need to do:
1. Document the Damage
Start by gathering solid evidence of the damage. Take clear, high-resolution photos and videos of any cracks, sinking, shifting, or other visible issues. It’s a good idea to include a date stamp and multiple angles for comprehensive documentation. If you have past inspection reports or maintenance records, gather those as well to show that the issue is new and not due to neglect.
2. Review Your Homeowners Insurance Policy
Before filing a claim, go through your policy carefully. Look for sections covering “dwelling protection” or “foundation damage.” Pay close attention to exclusions—knowing what’s covered (and what’s not) will help you communicate effectively with your insurance provider.
3. Contact Your Insurance Provider
As soon as you notice foundation damage, notify your insurer. Many policies have time limits for reporting damage, so acting quickly is crucial. When calling, provide detailed information, including the date you first noticed the damage and any possible causes (e.g., a recent storm, burst pipe, or fire). Ask for guidance on the next steps in the claims process.
4. Get a Professional Inspection
Your insurance company may require an inspection from an independent adjuster, but it’s also wise to hire your own foundation expert. A licensed structural engineer or foundation repair specialist can assess the damage and provide a report outlining the cause. This documentation can be invaluable if you need to dispute a denied claim.
5. File Your Claim with Supporting Documents
Once you’ve gathered all necessary information, submit your claim. Be sure to include:
- Photos and videos of the damage
- Inspection reports from professionals
- Maintenance records (if available)
- A detailed description of the problem and suspected cause
Keep copies of all submitted documents for your records.
6. Work with the Insurance Adjuster
Your insurer will likely send an adjuster to inspect the damage. Be present during the inspection to answer any questions and provide additional documentation. If you’ve already had a third-party inspection done, share the report with the adjuster.
7. Negotiate If Necessary
If your claim is partially approved or denied, don’t hesitate to negotiate. Provide additional documentation, request a second inspection, or hire a public adjuster to advocate on your behalf.
8. Complete Repairs & Keep Records
Once your claim is approved and you receive compensation, work with a reputable foundation repair company to complete the necessary repairs. Keep all receipts and final reports in case you need to reference them for future claims or property sales.
By following these steps, you can improve your chances of getting your foundation repair covered and avoid unnecessary delays or denials.
How to Prevent Foundation Issues
While not all foundation damage is avoidable, these tips can help minimize risk:
- Maintain Proper Drainage – Keep gutters clean and ensure water flows away from your home.
- Check for Leaks – Fix plumbing issues before they become serious.
- Monitor Tree Growth – Keep roots from growing too close to your foundation.
- Inspect Regularly – Look for cracks or shifts and address them early.
Importance of Regular Home Maintenance
Preventative home maintenance is essential to keeping your foundation strong and avoiding costly repairs. Here are some key practices:
- Routine Inspections – Regularly inspect your home’s foundation for small cracks or movement.
- Moisture Control – Prevent excessive moisture buildup around your home by managing drainage and sealing leaks.
- Soil Management – Expanding or contracting soil can put stress on your foundation. Maintain consistent soil moisture levels.
- Immediate Repairs – Address minor issues before they become major problems to avoid insurance claim denials.
Regular maintenance not only protects your home but also strengthens your case should you ever need to file an insurance claim.
Additional Coverage Options for Foundation Damage
If your homeowners insurance doesn’t cover certain types of foundation damage, you may want to consider additional coverage options:
- ✔ Flood Insurance – Since standard policies don’t cover flood-related foundation damage, purchasing flood insurance through the National Flood Insurance Program (NFIP) or a private insurer can provide peace of mind.
- ✔ Earthquake Insurance – If you live in an earthquake-prone area, a separate earthquake insurance policy can protect your home’s foundation from seismic activity.
- ✔ Sewer Backup Coverage – Some policies offer endorsements for sewer backups, which can cause foundation damage if left unaddressed.
- ✔ Foundation-Specific Riders – Some insurance companies offer optional add-ons or riders that extend coverage to certain foundation-related issues not typically covered by a standard policy.
- ✔ Home Warranty Plans – Though not insurance, a home warranty may cover structural issues, including foundation repairs, depending on the plan.
Adding the right supplemental coverage ensures you’re fully protected against unexpected foundation damage.
Frequently Asked Questions (FAQ)
1. Does homeowners insurance cover foundation cracks?
It depends. If the cracks are due to a covered peril, such as a fire or sudden water damage, your policy may cover repairs. However, if they result from normal wear and tear or shifting soil, they likely won’t be covered.
2. How do I know if my foundation damage is covered?
Review your homeowners insurance policy and check for coverage related to specific perils like fire, explosions, or accidental water damage. If unsure, contact your insurer for clarification.
3. Can I add foundation coverage to my homeowners insurance?
Yes! Many insurance companies offer riders or endorsements to extend coverage to foundation-related damage that standard policies may exclude.
4. Will my claim be denied if I didn’t maintain my foundation?
Possibly. If your insurer determines that neglect or lack of maintenance contributed to the damage, your claim may be denied. Regular maintenance can help prevent issues and improve your chances of coverage.
5. What should I do if my claim is denied?
If your insurance provider denies your claim, you can request a detailed explanation. If you believe the denial is unfair, consider getting a second opinion from a foundation specialist or consulting an insurance claims adjuster.
FoundationMD Houston Foundation Repair
If you’re dealing with foundation issues, FoundationMD Houston Foundation Repair is a trusted name in the industry. We specialize in expert foundation repair services, ensuring your home remains structurally sound. Whether you’re dealing with cracks, sinking, or shifting, their team can assess the damage and provide effective solutions. Contact them today at 281-949-6233 for a free consultation and get your foundation back on solid ground!
Final Thoughts – Take Action Today!
Your homeowners insurance may or may not cover foundation damage—it all depends on the cause. The key is understanding your policy, knowing what perils are covered, and taking steps to protect your home before issues arise.
👉 Don’t wait until it’s too late! Contact your insurance provider today to review your coverage and ensure you’re protected. If you suspect foundation damage, call FoundationMD Houston Foundation Repair at 281-949-6233 for a professional inspection and expert solutions.
Protect your home, protect your investment—act now!
