Is Foundation Repair Covered By Insurance?

Is foundation repair covered by insurance?

When you find that your house has foundation damage, it can feel like a pricey chore. Not only will it require loads of work, but it can also be a big hit to your bank account. That is why it is important to know if a foundation repair is covered by homeowners insurance. When researching foundation repair this is one of the most searched topics when it comes to foundation repair.

To answer the question if foundation repairs are covered by homeowners insurance, unfortunately, the best answer we can give you is; it depends. The main factor that is dependent is the cause of the damage. 

Some reasons are easier to find than others. An obvious one could be some sort of weather-related damage, like flooding. Some not so obvious symptoms could be cracked walls and sticking doors and windows. To find the root problem you may need to call a foundation professional to find the source of the damage. They can also tell you the extent of your problem. Some common foundation issues are; Too much or too little moisture, faulty construction, tree root growth, plumbing leaks, soil movement, and many more. 

Insurance Coverage

The Coverage A section of your home insurance policy protects the structural part of your home, this includes a home’s foundation. Unfortunately, you only will get protection if the reason is specifically named in your policy. So if your foundation issue was caused by something listed in your policy, your insurer will likely help cover the bill for repairs. If not, you’re going to be on your own. Many policies cover; fire, vandalism, falling objects, water damage, windstorms, and explosions. 

Almost all home policies don’t include two of the natural disasters that can do the most damage; floods and earthquakes. If you live in an area where either of these disasters is common, it is recommended to buy a separate natural disaster policy to protect your home. Also, most home policies don’t offer foundation repair insurance when the foundation problem results from wear and tear. Many Insurers say that it’s the home owner’s responsibility to maintain the home.


One way to make sure your home is protected is to stay up to date on home inspections. This will make sure you are ahead of any damage and keep repair prices low. If you need a quality contractor or have any questions contact us! At Foundations on the Level we are foundation repair experts.

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