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Will homeowners insurance cover a cracked foundation?


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Wiki User
2011-12-05 21:27:46
2011-12-05 21:27:46

My sister recently had a cracked slab. Her insurance did not cover it, but the builder's insurance did. Builder's insurance is usually 10 years, so I guess it would depend on the age of your home.

I would also find out the cause of the crack and weather or not there is product liability insurance involved. There are numerous variables that can cause a liability situation to an insurance company or insured. I would call a contractor to find out the cause of the crack.

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

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"Flood Insurance" will cover damage resulting from a Flood. Homeowners Insurance will not.

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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.

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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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