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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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2011-09-13 17:53:36
2011-09-13 17:53:36

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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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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If you deduct the cost of he repairs/loss...then the insurance settlment is taxable income (essentially replacing the amount of the deduction/loss you took and really didn't have because you were reimbursed for it). Or if you don't expense the repairs, the recovery isn't taxable.

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Read your governing documents to determine who owns the foundation. Whoever owns it is responsible for repairs.

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It doesn't work like that. The insurance company will pay claims for roof repairs or replacement that are consistent with the local market and consitent with the damages incurred. If you try to overcharge for the repairs, then the homeowner will be stuck for the remainder of the bill that is not paid by the insurer. A contractor simply submits a bid to the homeowner. If the homeowner chooses you as their roof contractor then they will submit that to the insurer for approval. The company will then pay the bill so long as it is reasonable and within the expected market range for that area.

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I had a large crack in my foundation and my homeowner's insurance refused to pay. When such a thing happens, it must be repaired immediately and the person you need to repair it must be an expert in foundation repairs. It cost me $5,800, plus another $1,000 because I choose to call in a structural engineer. I was angry with my insurance company; later learned that most (all?) insurance companies do not pay for cracks in foundations as they are very common.

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US Fidelis offers insurance for auto-repairs. They pay the repair shop while you pay your monthly insurance cost to them

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Yes, your homeowners insurance policy can be cancelled or non renewed if the insurer determines that your home or property has hazardous conditions. Especially if the homeowner has already collected on a claim and failed to make the necessary repairs.

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No - insurance is for sudden and accidental damage. Routine repairs are considered maintenance and maintenance is not covered under any insurance policy.

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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).

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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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Short answer, is you can't. If you send the claim check to the mortgagee company, they will apply the amount you are behind to the loan and leave you short on the amount needed to make the repairs.

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Yes, foundation repairs, if done improperly, can result in more damage than what was done in the first place. Therefore a permit is required and should be done by a professional.


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