Will homeowners insurance cover the repair of my cracked foundation?

Homeowners insurance covers many different areas of concern for homeowners. Without it, many homeowners would be ill-prepared for many of the unexpected situations that come with homeownership. However, not everything is covered by homeowner insurance. It’s a good idea to read the fine print and understand what’s covered and what’s not. The Weber Insurance team is committed to helping Hanover, PA homeowners understand homeowner’s insurance.

What is homeowners insurance?

Homeowners insurance is bundled with coverage in a variety of different areas. Liability coverage provides protection for homeowners if they damage, cause an injury or accident on their own property, and more. Homeowners insurance also provides coverage for every structure on the property, personal belongings, the exterior and interior of the home, sheds, mailboxes, and more. Although many circumstances and situations are covered by homeowners’ insurance, there are circumstances when a situation falls outside a homeowner’s insurance policy. 

Will homeowners insurance cover the repair of my cracked foundation?

Maybe. Your foundation is covered by your homeowner’s insurance. However, the circumstances surrounding your cracked foundation determine whether the repair or replacement of your foundation is eligible for repair. Normal wear and tear that come from age or neglect aren’t covered under your policy. However, if your foundation is cracked as a result of some natural disasters like windstorms, lightning, fire, vandalism, explosions, falling objects,  damage caused by vehicles, and water damage from plumbing issues. Settling and other common foundation issues aren’t covered. As stated above, only some natural disasters are covered. Earthquakes and floods are not covered by a homeowners’ insurance policy.

If you have questions regarding what’s covered by homeowners’ insurance, call us at Weber Insurance in Hanover, PA. We’d be happy to help you explore your options.