Homeowner's Insurance

Does homeowners insurance cover foundation cracks caused by soil expansion?


Top Answer
User Avatar
Wiki User
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.


Related Questions

User Avatar

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.

User Avatar

Only if you have earthquake coverage. A regular homeowners policy excludes damage caused by ground movement or earthquakes.

User Avatar

No unless the foundation crack was caused by something like an earthquake. Normal wear and tear is not covered.

User Avatar

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.

User Avatar

Yes, Homeowners insurance typically does provide coverage for losses that result from an accidental fire.

Copyright © 2020 Multiply Media, LLC. All Rights Reserved. The material on this site can not be reproduced, distributed, transmitted, cached or otherwise used, except with prior written permission of Multiply.