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Call the claims department of your insurance company or your agent and ask!

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Q: If trees roots are pushing the foundation and cracking it causing water to flood everytime it rains does insurance cover it in New Jersey?
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You would have to review your policy to be certain but in most cases I would unfortunately say No, they will not pay for that. Insurance is simply there to assist you in the event that an event occurs that causes damage to your property. Typically they will consider a tree root causing damage to a foundation to be a long term event and therefore not meeting the definition of a covered loss.


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