Will homeowners cover ground movement under cracked caved in concrete?
If "ground movement" means earthquake or can be defined as such, than the answer is no unless you have earthquake rider on your policy.
NO... Buyer Beware, Homeowners insurance policies do not cover pre-existing damage. They also typically exclude damage resulting from "ground movement" as this is a normal expected occurrence throughout the life of a home. You would look to your buyers home warranty for coverage of an un-disclosed defect of the home you purchased.
You will need to check your policy or contact your agent to find out if you have coverage for landscaping, ground movement or ground erosion. Most homeowners insurance policies do not provide coverage for landscaping, damages to structures resulting from from ground movement nor erosion as this is normal and expected. Your home insurance policy typically provides coverage for sudden loss damages resulting from the hazards of Fire, Wind, Hail etc per your policies schedule…
Does insurance pay for above ground pools when they are damaged as a result of frost in the ground going too deep because of lack of snow thus shifting the pool walls and liner?
Typically your above ground pool is covered as 'personal property' under your homeowners policy. Personal property is limited to coverage for a specifically listed number of 'perils' in your policy. I dont believe you will find a listed peril that this loss description would fall under. I CAN TELL YOU FROM PERSONAL EXPERIENCE AN ABOVE THE GROUND POOL WOULD NOT BE COVERED BY FROST OR MOVEMENT OF THE WATER OR ICE. THE ONLY TWO WAYS…
Concrete has great compressional strength but very weak torque resistance. That means when the ground underneath concrete paths settles or erodes the concrete will crack. In order to determine where the concrete will crack the constructors leave faults in it. So when the concrete does crack it does so in such a manner that the path is still functional and aesthetic.
Is a floor frame for a metal shed and is it an alternative if you dont have a concrete ground for it to be put on?
Yes. Hurricane damage is a covered cause on a homeowners policy. The above ground pool is covered under the other structures section of the policy which means there is coverage. It will be paid on the ACV or actual cash value basis and not replacement cost. Read your policy to make sure but I am quite sure about this.