Does Homeowners Insurance Cover Foundation Sinking?

Last Updated on April 15, 2022 by Andrew Lee

You just bought your dream home. You spent months looking for the perfect one and when you finally found it, you were so excited to call it your own. But then, after you move in, you start to notice some strange things happening. 

The walls seem to be bowing inward and the floors are starting to slope. What could be causing this? Chances are, your house’s foundation is sinking. In this article, we’ll discuss why this happens and whether or not your homeowners insurance will cover the repairs.

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Why Do Foundations Sink?

There are a few reasons why foundations sink. The most common is due to the soil beneath it. Depending on what type of soil your home is built on, it may be more prone to shifting and settling over time. For example, if your home is built on clay soil, there may not be enough particles in it to support the weight of your home. This can cause the clay to compress and, as a result, your foundation will sink.

Another reason why foundations sink is due to the amount of water in the soil. When there is too much water in the soil around your foundation, it can cause the soil to expand. This puts pressure on your foundation and can cause it to sink.

The last reason why foundations sink is due to the age of your home. As time goes on, foundations will naturally settle and sink. This is due to a number of factors, including the materials used to build the foundation, the weather, and even the weight of the house itself.

So, Does Homeowners Insurance Cover Foundation Sinking?

The short answer is: no. Homeowners insurance does not cover foundation sinking. This is because it is considered to be a preventable issue. There are a few things you can do to help prevent your foundation from sinking, such as:

  • Make sure the soil around your home has proper drainage
  • Add extra support to your foundation, such as steel beams or piers
  • Regularly check the moisture levels in the soil around your foundation

If you take these steps and your foundation still sinks, it is considered to be due to poor maintenance on your part. As a result, your homeowners insurance will not cover any damage that occurs. It’s considered negligence which we will talk about in a moment. 

Types of Foundation Damage That Are Covered

While foundation sinking is not covered by homeowners insurance, there are some types of foundation damage that are. For example, if your foundation cracks due to a sudden change in temperature or an earthquake, your homeowners insurance will likely cover the repairs. The same goes for if your foundation is damaged due to a fire, severe weather, vandalism, and water damage from plumbing or air conditioner.

Types of Foundation Damage That Aren’t Covered

There are also some other types of foundation damage that aren’t covered by homeowners insurance. This includes if your foundation cracks due to poor maintenance or settling, damage due to termites or other pests, and negligence. There are three main reasons that your foundation could be damaged due to negligence: pressure, moisture, and construction. These are all seen as preventable.

Conclusion

Foundation sinking is a serious issue that can cause major damage to your home. However, it is not something that is covered by homeowners insurance. If you want to protect your home from foundation sinking, make sure to take preventive measures, such as regularly checking the moisture levels in the soil around your foundation.

Do you have questions about what is or isn’t covered by your homeowners insurance? Leave a comment below and we’ll get back to you as soon as we can.

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