Friedman Group
  • About Us
    • Careers
    • Privacy
  • Services
    • Business
    • Employee Benefits >
      • Share To Compare
    • Financial Services
    • Personal
    • Specialty Insurance
  • AP Blog
  • Pay Online
  • Contact
  • About Us
    • Careers
    • Privacy
  • Services
    • Business
    • Employee Benefits >
      • Share To Compare
    • Financial Services
    • Personal
    • Specialty Insurance
  • AP Blog
  • Pay Online
  • Contact

Welcome to The Friedman Blog

Does Homeowner's Insurance Cover Damage to Your Foundation?

2/10/2022

 
homeowners insurance; home foundation
​If you find signs that your house's foundation may be damaged, it's obviously disconcerting since it is the support structure for your entire home.
​A damaged foundation can wreak havoc, putting your home off kilter - and making those repairs can be costly. You may think that your homeowner's insurance will cover repairs, but that's only true in certain circumstances.

Foundation damage can sneak up on you, so it's important that you know the warning signs, including:
  • Exterior cracks - Large cracks on exterior wall, particularly ones that have zig-zag patterns, could be a sign of foundation damage. Cracks on brick exteriors should also be checked.
  • Interior cracks in sheetrock - Like exterior wall cracks, if you see zig-zagging cracks in sheetrock walls, you should call a specialist to inspect the issue. Also look for cracks where the wall and ceiling meet, and if wallpaper is peeling off a wall.
  • Walls pulling away from the house - If an exterior wall is pulling away from the house and yielding a widening crack, you should call a contractor to inspect the damage. This may be the result of foundation damage, and it also poses a greater danger should the wall fail and collapse.
  • Doors that are uneven or out of square - If you have a door that is out of square with the frame and seems to be getting worse, it could be a sign there is something up with your foundation. And if you start noticing that your floor is uneven, you should also have the issue inspected.
  • Frames separating from brick - If a window or door frame is pulling away from a brick wall, it's a clear sign you have foundation problems.
  • Bouncing floors - If you start noticing that your floor has a bit of bounce to it, it could be a sign of rotting wood underneath, which could be the result of cracks in your foundation that are letting water seep through and damage the wood.
  • Cracks in tilework - If you start noticing that tiles in your kitchen or bathroom are cracking and it's occurring in more than a few tiles, you may have foundation problems.
 
Insurance
Your homeowner's insurance would typically not cover damage to your foundation that was caused by failing to perform regular maintenance. if your foundation simply needs regular maintenance and typical repairs, homeowner's won't cover the costs. 

Also, foundation cracks that result from simple wear and tear and shifting ground over time would typically not be covered.
​
But damage to the foundation from a sudden event such as a fire, damage from severe weather or a tree limb falling would likely be covered. Some examples of coverage include: 
  • Water damage to your foundation caused by a pipe suddenly bursting or water backing up. This would be covered if you carry insurance that covers the type of water damage that affected your foundation.
  • Falling trees or any other objects that damage the foundation.
  • A covered structural collapse that cracks or separates your foundation.
  • Gas explosions and fires.
 
Earthquakes would typically not be covered, however. There are endorsements or separate policies that cover quake damage.

Comments are closed.

    Categories

    All
    Compliance
    COVID 19
    Cyber
    Employee Benefits
    Personal Insurance
    Property Casualty
    Risk Management
    Wellness
    Workers Compensation

    Archives

    September 2022
    August 2022
    July 2022
    June 2022
    May 2022
    April 2022
    March 2022
    February 2022
    January 2022
    December 2021
    November 2021
    October 2021
    September 2021
    August 2021
    July 2021
    June 2021
    May 2021
    April 2021
    March 2021
    February 2021
    January 2021
    December 2020
    November 2020
    October 2020
    September 2020
    August 2020
    July 2020
    June 2020
    May 2020
    April 2020
    March 2020
    February 2020
    January 2020
    December 2019
    November 2019
    October 2019
    September 2019
    August 2019
    July 2019
    June 2019
    May 2019
    April 2019
    March 2019
    February 2019
    January 2019
    December 2018
    November 2018
    October 2018
    September 2018
    August 2018

The Friedman Group
501 Bell St.
Dubuque, IA 52001
Phone: (563) 556-0272
Home
Business Insurance
Employee Benefits
Personal Insurance
Financial Services
Contact

AssuredPartners
An AssuredPartners Agency
In February 2020, The Friedman Group joined AssuredPartners, the 11th largest insurance brokerage in the U.S. This partnership provides us access to additional capital and a national footprint that enables us to continue to negotiate the most favorable coverage terms and conditions for our clients, and allows us to provide an even broader spectrum of risk management support services. ​
© 2022 The Friedman Group, Inc.  Privacy Policy.