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Is Foundation Repair Covered Under Home Insurance?

When it comes to home foundation damage, having homeowner’s insurance may sound like you’re protected from whatever comes your way, but are you?

Knowing if your foundation repair is covered by your homeowner’s insurance can help you budget for the inevitable and keep your home safe.

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Cracked foundation

What is Foundation Repair?

crew repairing foundation

More often than not, owning a home means worrying about foundation damage.

All homes are susceptible to foundation damage over time, especially because of the diverse soil types across the country that need to support each building.

But what does foundation repair entail?   

Foundation repair is the process of using supports to restore your home’s foundation to its original position and stabilizing it there.   

Most frequently, this is done by using piers driven deep into the ground below to stabilize your home and potentially raise it, closing any cracks.  

Is Foundation Repair Covered by Homeowner’s Insurance?

brick wall crack

The answer is not always clear-cut, but in most cases, no.   

Foundation repair will only be covered by your homeowner’s insurance if the damage is caused by an “act of nature” or other covered peril.   

This means if your foundation is damaged by a fire, tornado, windstorm, or something similar – it may be covered by your policy.  

If damage is done by soil conditions, tree roots, or improper drainage, foundation repair will most likely not be covered under your homeowner’s insurance.   

What Factors Will Impact Coverage?

Some insurance providers have specific coverage options for foundation repair, but most do not.  

crew inspecting a home's foundation

Factors such as age, type of foundation, and location can also impact coverage. It’s best to speak with your insurance provider directly for more information about your specific policy.  

Generally, there are some factors included in your homeowner’s policy. Factors include:   

  • Natural Disasters: Tornados, windstorms, hailstorms  
  • Vandalism  
  • Lightning or Fire
  • Tree Falling  

Depending on your policy, you may need additional coverage for damage from earthquakes and floods. Talk to your insurance agent to learn exactly what is covered and how to handle foundation-related insurance claims.

Causes of Foundation Damage

Now that you understand your foundation repair is most likely not going to be covered by homeowner’s insurance, it’s even more important to ensure you know what causes foundation damage.  

Let’s explore the common foundation damage causes:  

Poor Drainage 

Heavy, consistent rain and snow melt during wet seasons mean you need an effective drainage system.   

Ensure your basement waterproofing system or crawl space encapsulation measures are well functioning and your gutters are maintained and clear of any debris.   

wet and unstable soil caused by poor drainage

Keeping water from pooling around your foundation goes a long way toward protecting your home.  

Shifting Soils

Hundreds of soil types exist across the country. The most problematic is soil rich in clay. Clay is an expansive soil, which shrinks drastically when conditions are dry and expands rapidly when water is introduced. 

This motion means your soil and your home’s foundation are regularly moving, leading to cracks and damage.   

Tree Roots

Trees with invasive root systems located too close to your home are detrimental for more than one reason. As tree roots grow in search of nutrients, they shift the soil under and around the foundation and suck the moisture from the ground. This leads to soil and foundation movement and insufficient support for your home.

Foundation Repair from Foundation Experts

Groundworks crew inspecting and repairing a foundation

Regardless of whether your foundation repair is covered by insurance or not, it’s important to have the work done by a reputable company.

Look for a company with years of experience and a trusted track record of the repair. Read online reviews and check with your local Better Business Bureau.  

Groundworks has been solving homeowners’ foundation problems for years, but don’t take our word for it. Read thousands of online reviews on our website and browse our solution pages for an idea of what our inspectors may suggest.  

Ready to book an appointment? Schedule online today.   

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Foundation Repair FAQs

Understanding if your home has a foundation problem is the first step to repair.  

Here are some of the most common signs to look out for:  

  1. Cracks in the walls, floors, or ceilings: These may appear diagonal, horizontal, or vertical.  
  1. Doors or windows that stick or don’t close properly: This may indicate that the foundation has shifted.  
  1. Uneven or sloping floors: This can be a sign that the foundation has settled.  
  1. Gaps around doors or windows: This can be a sign that the foundation has shifted  
  1. Cracks in the foundation itself: If you can see cracks in the foundation, it’s a clear sign of a problem.  

Foundation repair is only covered by your homeowner’s insurance policy if the damage is a result of a sudden or accidental peril.   

These include but are not limited to, tornados, lightning strikes, vandalism, or a vehicle crashing into your home.  

Speak to your insurance agent for a complete coverage overview.   

Typically, yes. It depends on what type of work is being done, but when foundation piers or anchors are being installed, the homeowner can safely reside in the home.  

Typically repairs take anywhere from one to three days to complete, with significant damage taking a bit longer.