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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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โˆ™ 2004-07-14 08:24:37
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Q: Will homeowners insurance cover repair to a sinking concrete porch?
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Related Questions

Does homeowners insurance cover a car under collapsed roof due to snow?

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.

Does homeowners insurance cover damage caused by a repair man?

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

Does homeowners insurance cover plumbing repair to a sewer?

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.

Will homeowners insurance cover the cost to repair home due to poor construction remodel?

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.

Does homeowners insurance cover repair for a leaky sewer line?

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

Does homeowners insurance cover a shopping cart hitting a car by a person?

Automobiles are covered by Auto Insurance. If you have full coverage auto it will repair any damages caused to your vehicle by the shopping cart, minus your deductible of course. Homeowners Insurance does not cover automobiles, if it did, we would have no need for car insurance.

Will homeowners insurance pay for repair of broken underground sewer line?

I cannot think of any cause for a sewer line damage being caused by something that would be covered by a homeowners policy. It is probably maintenance and not an issue for your home insurance.

Does homeowners insurance cover water leak?

It depends on what caused the leak. If your leak was caused by a covered peril on your policy such as Hail wind fire etc, then your homeowners insurance would cover the cost of a repair and the repair of internal damage resulting from the leak. If the leak is resultant of aged material or normal wear and tear such as an old faucet or an old roof that has outlived the life of the material, then it is a maintenance issue and would not be covered under your homeowners insurance policy.

Will homeowners insurance pay for central heating and air condition unit if it goes out?

It depends on why it went out. Your Homeowners policy covers damage resulting from certain perils such as fire wind hail, lightning etc If it's just old ac unit and in need of replacement or repair then NO. Your homeowners insurance does not provide coverage for homeowners normal maintenance and updates.

Will homeowner's insurance cover the repair of a broken water pipe under a concrete driveway?


What if there is no homeowners insurance and the house is taken by a tornado?

If you had no insurance then you're out of luck. You'll just have to buy a new house or try to rebuild or repair the one that was damaged by the tornado.

Does homeowners insurance cover garage door damage?

Yes, homeowners insurance will cover garage door damage. You may want to look at your policy to find out what your deductible is. If the deductible is more than the cost of the repair to the door, it would not be beneficial to file a claim.

Will homeowners insurance repair structural issues due to a poor builder?

No. Specific exclusions apply to faulty construction, workmanship, renovations, ect. //

Would my neighbor's homeowners insurance cover my repair costs to the underground wires they cut doing landscaping?

They should. They cut YOUR wires, didn't they?

Does homeowners insurance cover foundation repair due to normal aging?

No, Damages that result from what is considered normal wear and tear are not a covered peril.

Does homeowners insurance cover structural damages?


Does home insurance cover vehicle damage from roof tiles?

NO, Homeowners insurance does not cover automobiles.

Does home insurance pay for home equity line of credit when you have a house fire?

No, it won't pay your mortgage note or your equity line note, but your homeowners insurance will pay to repair the fire damage to your home.

Is pool equipment covered on your homeowners insurance?

If the pool is an insured structure on your home insurance policy then it would be covered in the event of damage by a specified peril. Maintenance and repair of pool equipment and supplies would not be covered.

Can a homeowners insurance company force you to use their contractor for repairs?

No, an insurance company cannot force you to use their own contractor unless they invoke their option to repair pursuant to the policy. Take a look at your policy and ask the company if they are invoking their option to repair. If not, you are free to use your own contractor.

What do I need to know about foundation repair?

It depends on what you are trying to repair. There are concrete floor and foundation repair contractors that specialize in this. You can contact them to get the best ideas on how to repair your foundation. You must determine the methods for repairing and the type: slabjacking, concrete repair, mudjacking and concrete piering. You can read more about it at

How do I know if my concrete repair job requires mud jacking?

Mud jacking is a concrete or foundation repair method that is typically used in regions where the ground tends to settle, causing foundation issues. A foundation repair expert can tell you whether mud jacking is needed, a technique that basically fills in the settled area with pumped in dirt and cement mix. Mud jacking is what you need if you have sinking or sunken concrete driveways, patios, walks, steps, or garage floors. Concrete mud jacking fill the voids under the sunken concrete areas with a slurry that’s made of clean soil and cement by forcing this grout into the voids and this lifts or raises the sunken concrete back to the correct level and the grout fills the voids and stabilizes the soil so you won’t have to worry about the concrete sinking again.

How can one repair a concrete driveway?

My concrete driveway cracked right up the middle. How can I repair it myself?

Why does a homeowners insurance co take pictures of your house?

It protects the insurance company from fraud. Any damage that already exists and shows in the pictures cannot be claimed later to get a "free" repair. Also if you add on to the house and don't notify the insurance company, the addition will not be covered.

Will homeowners insurance cover repair to chimney due to water and ice dams forming causing chimney to crack?

yes this would be damage caused by ice..not by general deterioration