Does Homeowners Insurance Cover Foundation Cracks?

As a homeowner, one of the things you always worry about is damage to your property. Whether it’s due to natural disasters, accidents or just time taking its toll, there are countless ways in which your home can sustain damage. One common problem that homeowners encounter is foundation cracks.

These not only look unsightly but they can also be indicative of more serious issues with your property. The big question on everyone’s mind though is whether or not homeowners insurance covers foundation cracks? In this blog post, we’ll explore this issue in depth so that you have all the information you need to protect your investment and keep your home safe and secure!

What Does Homeowners Insurance Cover?

Homeowners insurance is designed to provide financial protection for your home in the event of damage caused by certain covered perils. Depending on your policy, homeowners insurance can cover a wide range of issues such as fire, windstorms, hail damage and theft.

Most standard policies usually cover damages to the physical structure of your home including walls, roof, floors and ceilings. This includes any structural damage that may result from covered disasters like hurricanes or tornadoes.

In addition to covering the structure itself, most homeowner’s policies also offer coverage for personal belongings. This can include furniture, electronics and other valuable items within your property.

Another important aspect of homeowners insurance is liability coverage which provides financial protection if someone gets injured on your property or you cause accidental harm to others while away from home.

It’s important to note that not all types of damages are covered under a standard homeowner’s policy. For example, flood damage typically requires additional coverage through a separate flood insurance policy. It’s always best practice to read through your policy carefully so you understand what exactly is and isn’t covered in order to protect yourself against potential risks!

Foundation Cracks and Homeowners Insurance

Foundation cracks are a common issue faced by homeowners, and they can be caused due to various reasons like soil movement, water damage or natural wear and tear. While some foundation cracks may not seem like a big deal initially, they can lead to significant structural damage if left untreated.

Many homeowners wonder whether their insurance policy covers foundation cracks. Unfortunately, the answer is not straightforward. In most cases, standard homeowners insurance policies do not cover foundation repairs unless the cause of the damage is covered under your policy.

For instance, if your home’s foundation has been damaged due to flood or fire, it would likely be covered under your policy. However, if the crack was caused due to general wear and tear or poor maintenance practices by you as a homeowner then it may not be covered.

It’s essential that you review your insurance policy carefully and understand what is included in your coverage before filing any claims for foundation repairs. Keep in mind that even if you have coverage for foundation repairs; there may still be specific exclusions in place which could limit how much compensation you receive from the insurer.

If you believe that your policy might cover damages related to foundation issues; then contact an experienced agent who will guide you through the process of filing a claim with sufficient evidence of proof such as photographs etc..

How to File a Claim for Foundation Cracks

Filing a claim for foundation cracks may seem like a daunting task, but it doesn’t have to be. The first step is to review your homeowners insurance policy and determine if foundation damage is covered. If it is, then you should contact your insurance company as soon as possible.

When speaking with the insurance company, be sure to provide detailed information about the damage and any relevant documentation such as photos or inspection reports. This will help speed up the claims process and ensure that you receive proper compensation.

Next, schedule an appointment with a reputable contractor or engineer who specializes in foundation repair. They can evaluate the extent of the damage and provide an estimate for repairs.

It’s important to note that some insurance companies require pre-approval before beginning repairs, so make sure to check with them beforehand. Once approved, work can begin on repairing the foundation cracks.

Throughout this entire process, maintain communication with both your insurance company and contractor/engineer to ensure everything runs smoothly and all parties are informed of progress updates.

Filing a claim for foundation cracks involves reviewing your policy coverage, providing detailed information/documentation to your insurance company, scheduling an evaluation from a specialist contractor/engineer along with following up regularly throughout each stage of repair.


After considering all the factors, it is clear that whether or not homeowners insurance covers foundation cracks depends on several variables. The age of your home, the cause of the damage and your location are all important factors that can affect coverage.

If you have noticed any signs of foundation damage in your home, such as cracks in walls or floors, it is essential to investigate them further. It’s always best to consult with a licensed contractor or engineer who specializes in foundation issues for a professional opinion.

Remember to review your policy carefully and speak with your insurance provider if you have any questions about what types of damages are covered under homeowners’ insurance policies. Taking these steps will give you peace of mind knowing that you’ve done everything possible to protect yourself against unexpected expenses related to foundation repairs.