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Typically No on most policy types. This is usually considered normal expected wear and tear. It can also be looked at lack of maintenance issue. This is why insurers encourage homeowners to keep vegetation trimmed back far enough so as to prevent damage to the property. Look to your home insurance for the list of covered perils, Typically, fire, wind, hail etc. Their are some newpolicy offerings in the market place that are offering coverage for losses that accumulate over an extended time period. Home Insurance does not generally cover maintenance and upkeep related issues.

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Q: Does homeowners insurance cover concrete driveway were tree roots have busted it up?
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If your policy has coverage for accidental water discharge, the resulting damage would be covered but only after the owner has repaired the damaged pipe. If your pipe busted as the result of a covered peril such as fire, wind hail etc (see your schedule of covered perils) then the pipe itself would also be covered.


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Will your homeowner's insurance pay is a tree's roots have grown up through your concrete foundation busted water pipes and heating and air ducts which are under the foundation?

Homeowners Insurance is a "Hazard Insurance Policy" which covers "Sudden Losses" due to the specified perils listed on the policy. Covered Perils are typically Fire, Wind, Hail, Falling Objects etc. Tree roots are typically not a covered peril because this is a property maintenance issue under the complete control of the homeowner. Failure to properly maintain ones home and property can indicate a "Moral Hazard" on the part of the property owner and can result in cancellation of the policy. Most people keep trees and large rooting shrubs cut back away from the homes foundation so as to avoid this type of damage.


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You don't have to repair the damage, you could just pocket the money and drive around a busted up car.