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I don't know about a water main break but i had a main drain line cap come off under my house causing my crawl space t become the sewer for approx. 1 and half months until we finally noticed the smell. I had the fixed but all the water that had ran under my house caused it to sink in some spots. I would think normal settling of a house would be over a time span not sinking 2 to 3 inches in a period of 2 months. I was wrong, my insurance co (s.f.) said that it couldn't be covered because the house was settling. I had 3 estimates stating that the damage was caused by the drain problem. I guess as their slogan shoud state "money for nothing" is what ive got to live with, along with rolling off my bed when i sleep.

AnswerIf the insurance company fails you in this way, you might want to go looking for a lawyer that can sue your insurance company and/or the person (or entity) that owned the pipe that leaked.

You should call your state insurance commissioner, and your state representative about this-for some reason, insurance companies are intimidated by those two types of entities! And they are free. I would go to a lawyer as a last resort.

Report the claim, and see what your companys stance is. I would recommend if it is denied to appeal the decision to your states dept. of insurance. As a side note, a similar thing occured to two homeowners in the city I live it, but it was a sewer line, the homeowners insurance denied the claim, the homeowners successfully sued the city, as they owned the sewer system, and won their case, it was far in excess of 100k. Good luck..

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โˆ™ 2011-09-13 17:53:36
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Q: Will homeowner insurance cover the cost of repairs to the foundation of a house that was damaged when a water main nearby broke?
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Its your $$$ now !!! you can do with it what you want. * If the home is not still under a mortgage contract the homeowner is not obligated to use insurance funds for repairs of the property. However, if repairs are not done the insurance provider can refuse any claim if the flooring or adjoining structure is damaged further. If the home is still mortgaged repairs must be made as the lender would have to sign the insurance check as well as the homeowner/borrower. All mortgage contracts stipulate that the property must be kept in the same or better condition as it was when the property was purchased and lending agreement made. You could BUT that would be called insurance fraud... Lis@

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Of course not. Insurance is supposed to put you back to the same position you were in before the damage occurred. Your not "entitled" to make money on a claim. If your property was repaired the contract was fulfilled.

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No. Unless the foundation problem happened because of an earthquake or flood (and you have insurance to cover both catastrophic events), then your insurance will not cover something that has degenerated with time.

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Home policies include this coverage. These are necessary repairs for a large or total loss. I never have known for this to be excluded.

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What help can I get with repairs to my roof after so much rainfall from my property insurance help.?

The best source of information would be your insurance agent or other Insurance Company Representative. Most Homeowners insurance policies have coverage available for storm damaged roofs.

What do various types of insurance cover or provide for a loss?

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It really just depends on your insurance policy and the nature of the damage. Check you homeowners insurance policy declarations page for the term "Other Structures" or "Additional Structures". A pool is usually considered an additional structure. If the damage was caused by a covered peril under your policy you may have coverage for repairs.

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Any damages caused to a building which is under lease and which are directly caused by the tenant are normally deducted from the bond if necessary. Otherwise, the tenant is responsible for paying for the repairs, but it is the landlord/homeowner who must get the repairs done (they then pass the bill on).