Will Your Homeowners Insurance Cover Foundation Repair?

Will Your Homeowners Insurance Cover Foundation Repair?


If you’re a homeowner, there is a good chance that you will face foundation problems in your lifetime. While foundations are built to be strong and durable, they are subjected to many changes in the environment including shifting soils and flooding. Damage is bound to occur to the foundation over time. The good news is that with foundation repair, you can restore your foundation and enjoy many more years free of issues. The only problem is determining how you will pay for these services.

What Does Homeowners Insurance Cover?

Homeowner’s insurance is designed to provide homeowners with financial compensation if a peril occurs and they experience damage to their homes as a result. The specific things covered by a homeowner’s insurance policy will differ depending on the specific policy and the insurance provider. Some examples of things often covered by homeowners insurance include:

  •         Damage by lightning strikes
  •         Wind damage
  •         Fire damage
  •         Vandalism    
  •         Objects falling from trees
  •         The collapse of a part of your home due to the weight of ice or snow
  •         Water damage resulting from HVAC or plumbing issues

Does Homeowners’ Insurance Cover Foundation Damage?

This is a question that many people ask. This depends on the cause of the foundation damage. For homeowner’s insurance to cover foundation repair, the damage to the foundation must have been caused by a peril covered by the insurance policy. For example, if the foundation issue is a result of a plumbing leak, you may be able to recover compensation that will cover the repair of your foundation.

If the damage to your foundation was caused by a peril covered by your insurance policy, you will still need to provide your insurer with evidence that the peril was responsible for the foundation damage. You can increase your chances of having your claim accepted by: 


  •         Taking photos or recording a video of the damage to the foundation. If possible, show how the peril caused the damage. For example, if the damage was caused by a plumbing leak, show the point where the leak occurred.
  •         Have your foundation inspected by a foundation repair professional. They will identify the cause of the damage and determine the extent of the damage. This report will be invaluable in making your claim.
  •         Contact your insurance provider as soon as possible to begin the claims process.

Check your insurance policy to see if you are eligible to recover compensation for damage to your foundation and make your claim.