Some homeowners are Coverage shoppers while others are price shoppers. If you have an HO3, All Risk Policy you likely have coverage. f you purchased a more economical HOA Policy then most likely there is no coverage for soil expansion or earth movement.
It's best to contact your insurer and enquire about your coverage. You may be able to upgrade your policy if you are concerned about soil and earth movement or other risks.
I'm fairly new at all of this, but to my understanding most problems due to soil expansion are due to water getting to the foundation, freezing and expanding, etc, so most issues like this are considered maintenance problems and therefore not covered, since theoretically you could have prevented them by sloping the ground away from the house.
It depends on how the foundation was damaged and whether or not it was done by a covered cause or not. If a vehicle runs off the road and hits your home then it would be . covered whether or not the person had insurance. If the person did not have insurance, your homeowners policy covers damage caused by a vehicle. If the damage was caused by settling of the home and this caused the foundation to crack then no, the homeowner's insurance will not pay for this repair because it was caused by lack of properly putting in the foundation correctly or a lack of maintenance. Maintenance is never covered by your homeowner's insurance policy. Maintenance is the responsibility of the homeowner and it is never ending.
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