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Does homeowners insurance cover foundation cracks caused by soil expansion?

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2015-07-15 20:50:24
2015-07-15 20:50:24
Insurance and Soil ExpansionIt really just depends on the Policy Type that you are carrying. When it comes to purchasing Property Insurance,

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.

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No. Movement of earth is specifically excluded by homeowners insurance. This is the fault of the builder for not compacting the earth properly and providing the proper foundation. Home insurance was not made to cover such.

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