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Is Foundation Repair covered by Home Owners insurance?

November 10, 2009

in Foundation Repair, Insurance

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home owners insurance won't cover foundation repair

Home Owners Insurance typically won’t cover foundation repair

In most cases, foundation repair is not covered by Home Owners insurance. Insurance is designed to cover unexpected/sudden problems which may occur, while home Foundation Problems generally occur over a longer period of time. In certain instances, however,a policy may cover home foundation repair.

Instances where Insurance may cover house leveling costs:

  1. Poorly designed plumbing system causes unsuspected foundation problems, normally seen as an unexpected/sudden problem which has to do with the construction of the house rather than the soil it is sitting on.
  2. In cases of earthquake, if a home owner pays a premium for Earthquake insurance, and needs foundation repair due to an earthquake, repairs will usually be covered by the insurance company. (More information on home owners insurance)
  3. sometimes flood insurance covers foundation repair costsIn some cases of flooding, if a home owner pays a premium for flood insurance, policy may cover foundation repair to problems associated with flooding, however, home owners should check their policy and/or contact their insurance provider to clarify the extent of coverage. (FEMA’s National Flood Insurance program)

Home owners should know their policy

In all cases, home owners should contact their insurance company to determine the extent of their coverage, and shop around for the best deals on insurance. Know what types of foundation repairs may or may not be covered by a home insurance policy.

Home improvement financing

In cases where home owners insurance does not cover structural foundation repair. Many home owners opt for home improvement financing to pay for foundation repair/house leveling services.

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