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Understanding Foundation Damage and Homeowners Insurance Coverage

May 17, 2023

Home Insurance

Understanding Foundation Damage and Homeowners Insurance Coverage

As a homeowner, you understand the importance of protecting your investment. You have insurance for various parts of your house, but what about your foundation? The foundation of your house is an essential part of its structure, but it's not immune to damage. Foundation damage can be caused by various factors such as soil movement, water intrusion, and tree roots. So, does your homeowners insurance cover foundation damage? Let's find out.

What Is a House Foundation?

The foundation is the base of a house that supports the entire structure. It's usually made of concrete and is buried underground. The foundation walls, beams, and footings are designed to distribute the weight of the house evenly. Without a proper foundation, a house can sink, crack, or become unstable.

What Causes Foundation Issues?

Foundation damage can be caused by several factors, such as soil movement, water intrusion, tree roots, or even poor construction. Poor soil conditions, such as expansive clay soils, can cause the foundation to shift or crack. Water intrusion can cause soil erosion, leading to foundation settlement or heaving. Tree roots can also damage the foundation by growing into the soil and causing it to shift.

What Is and Isn't Included in Homeowners Foundation Insurance Coverage?

Homeowners insurance typically covers foundation damage caused by sudden events such as a burst pipe or a falling tree. However, it's essential to note that most policies exclude damage caused by long-term neglect or wear and tear. Additionally, some policies may only cover specific types of foundation damage, such as structural damage, and not cosmetic damage, like cracks in the foundation.

What Are the Signs of Foundation Damage?

It's crucial to keep an eye out for signs of foundation damage and address them promptly. The signs of foundation damage include cracks in the walls or floors, doors or windows that don't close properly, uneven floors, or gaps between the walls and the ceiling. If you notice any of these signs, you should contact a foundation repair specialist to assess the damage and recommend repairs.

How Do You File a Foundation Repair Insurance Claim?

If you believe you have foundation damage that is covered by your insurance policy, the first step is to contact your insurance company. They will ask for details about the damage, such as when it occurred and what caused it. They may also send an adjuster to assess the damage and determine if it's covered by your policy. If the damage is covered, the insurance company will work with you to determine the cost of repairs and may recommend a contractor.

Conclusion

Homeowners insurance covers foundation damage caused by sudden events such as a burst pipe or a falling tree, but it's essential to read your policy carefully to understand what is and isn't covered. It's also crucial to keep an eye out for signs of foundation damage and address them promptly to avoid further damage.

Cover Your Home’s Foundation Damage with Humble Insurance Group

At Humble Insurance Group, we understand the importance of protecting your investment. Contact us today to learn more about our homeowners insurance policies and how we can help you protect your home.

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