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Will homeowners insurance cover repair to a sinking concrete porch?


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Wiki User
2004-07-14 08:24:37
2004-07-14 08:24:37

Homeowners policies exclude damage due to "settling, cracking, bulging, shrinkage or expansion of foundations, walls, floors, ceilings, walks, drives, curbs, fences, retaining walls..." (language varies by state)

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Homeowners insurance specifically excludes damage done to any four wheel motorized vehicles and motorcycles. Your only coverage for such is under an auto insurance policy and you will need to have comprehensive coverage for such a claim.

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Not generally. If the repair man is responsible for damage, he is also responsible to repair it.

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Damage must be due to a covered cause for the damage to be claimed on your homeowners insurance. I cannot think of any way damage to a sewer could be from a covered cause.

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Inside your home or outside and did you bother to READ your policy?

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most of the time they will only damages caused by the bad repair not the repair itself 1. Read your policy 2. Call your insurance agent and ask THEM.


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