Will home insurance cover my cracked foundation?

Your homeowner’s insurance covers your home’s structure down to the foundation. This can be helpful when it comes to dealing with foundation issues. Our Burlington, NC team at Don Allred Insurance is committed to helping homeowners understand what’s covered regarding foundation damage.

Will Home Insurance Cover my Cracked Foundation?

Yes, your homeowner’s insurance will cover your damaged foundation. However, your homeowner’s insurance policy outlines the circumstances under which something is covered. Your homeowner’s insurance policy will cover your damaged foundation if a covered peril causes the damage. However, if circumstances outside of the covered perils cause the damage, the damage wouldn’t be covered. Your foundation is covered under your homeowner dwelling coverage policy. However, your damage will only be covered for approved perils and circumstances. A foundation specialist will assess the reason for your cracked foundation, which will determine if your homeowner’s policy will cover your damage claim. Your homeowner’s policy will definitely cover damage to your foundation caused by roots, fallen trees, tornadoes, and more. An insurance representative can accurately outline what’s covered by your policy. 

Your Damaged Foundation Won’t be covered by your Homeowner’s Policy if…

Your damaged foundation won’t be covered if the damage results from shifting, settling, or normal wear and tear that occurs over time. If your foundation has become cracked due to time and normal wear and tear, your insurance policy won’t cover the damage. Call us if you have questions about your foundation and what your policy covers. We’d be happy to outline what a covered peril is and isn’t.