Does Homeowners Insurance Cover Foundation Repair?

Many homeowners assume foundation damage is covered by their policy, then find out it is not. The details depend on your policy, so treat this as a general guide rather than a promise.

What policies often exclude

Standard homeowners policies commonly exclude damage from settling, earth movement and gradual deterioration. Flood damage typically needs separate flood coverage.

When coverage may apply

If a covered event, such as a sudden plumbing break, caused the damage, the claim may be treated differently. The cause matters as much as the damage.

What to do

• Read your policy and note exclusions
• Ask your agent in writing whether your situation might be covered
• Document damage with dated photos before and during repair
• Keep reports, estimates and receipts

Ask for a written explanation

If a claim is denied, you can ask for the denial and the reasons in writing. An independent engineer's report may help when the cause of damage is in question.

Insurance rules differ, so your agent or the insurer is the right source for what your policy says.