{"id":1357,"date":"2018-05-30T14:43:44","date_gmt":"2018-05-30T14:43:44","guid":{"rendered":"https:\/\/www.homeinsuranceking.com\/blog\/?p=1357"},"modified":"2018-05-30T14:43:57","modified_gmt":"2018-05-30T14:43:57","slug":"does-homeowners-insurance-cover-foundation-problems","status":"publish","type":"post","link":"https:\/\/www.gethomeinsurancequotes.com\/blog\/does-homeowners-insurance-cover-foundation-problems\/","title":{"rendered":"Does Homeowners Insurance Cover Foundation Problems?"},"content":{"rendered":"
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Foundation issues are usually related to shifts in the ground where there foundation sits. Expansion in the soil will push the foundation up which can cause cracking and heaving.<\/p><\/div>\n

The foundation is one of the most important components of your home. It is the base layer that the rest of the house sits on and if it is compromised it can lead to a dangerous situation and an expensive repair.<\/p>\n

Unfortunately, in many cases, the most common causes of foundation damage are not covered by a homeowners insurance policy, leaving you on the hook for some very expensive repairs.<\/p>\n

Let\u2019s have a quick look at some of the most common foundation problems and whether or not your homeowners insurance<\/a> will cover the damage.<\/p>\n

What Causes Foundations to Crack?<\/strong><\/p>\n

In the majority of cases, foundation issues are usually related to shifts in the ground where there foundation sits. Expansion in the soil will push the foundation up which can cause cracking and heaving.<\/p>\n

On the other hand, soil erosion will cause the foundation to sink into the ground, which can lead to cracking as well.<\/p>\n

Water is always the enemy of a foundation and too much water can cause soil expansion or erosion leading to cracking. Flooding, plumbing leaks and even clogged downspouts can all lead to too much water around the foundation. Proper drainage around your home is key to avoiding these types of issues.<\/p>\n

Regardless of whether the issue is due to expansion or erosion, foundation problems can be very serious. If unrepaired they can eventually lead to cracks in the walls as well as misaligned doorframes.<\/p>\n

Over time, unrepaired foundation issues will lead to the entire house being unstable and dangerous.<\/p>\n

Am I Covered?<\/strong><\/p>\n

When it comes to foundation issues and insurance it all depends on what caused the foundation problem. Unfortunately, many of the most common reasons for foundation damage are often excluded (not covered) by a standard homeowners insurance policy<\/a>.<\/p>\n

If any of the following caused your foundation problems you should be covered. It is important to note that coverages vary by insurance company so make sure you read your policy and check with your agent in regards to foundation issues. Most policies should cover the following:<\/p>\n