In any home, the foundation plays a critical role in its overall structure, and any damage to it could result in expensive repairs. It’s essential to know what is covered by your homeowners insurance in the event of unexpected foundation issues. In this article, we'll explain all about foundation damage and which types are covered by your homeowners insurance.

Foundation Damage Causes

Your home’s foundation can suffer damage due to a variety of factors, many of which are environmental, including:

·         Soil conditions: Expansive soils, like clay, can swell when wet and shrink when dry, compressing the foundation and leading to cracks or shifts.

·         Poor drainage: Improper drainage can cause water to accumulate around the foundation, leading to soil erosion and saturation, which compromises the foundation's stability.

·         Tree roots: Tree roots can grow under foundations, causing them to shift or crack as they press against the structure.

·         Weather: Severe weather events, like floods or earthquakes, can put pressure on the foundation and cause damage.

·         Plumbing leaks: Leaking pipes beneath or near the foundation can weaken the foundation over time. 

Signs of Foundation Damage

Wall, floor, or ceiling cracks are among the many indications of foundation damage, particularly if they appear suddenly or widen over time. Foundation settling might cause doors and windows to stick or stop closing properly. Other typical indicators include bulging or bowing walls, uneven or sloping floors, and visible spaces between walls and the floor or ceiling. Exterior signs of damage include cracks in the foundation and the foundation's separation from the surrounding walls. There are also moisture concerns that can indicate underlying foundation issues, including mold growth and water pooling around the foundation.

Foundation Damage Covered by Homeowners Insurance

Coverage for foundation problems can vary depending on the specific policy and the cause of the damage. If a covered peril damages a home's foundation, dwelling coverage is likely to cover the damage. Events that are typically covered by homeowners policies include:

·         Tornados, windstorms, and hailstorms

·         Collapse from the weight of snow or ice

·         Damage from falling trees or other objects

·         Lightning or fire

·         Vehicle crashing into the home

·         Accidental water damage from plumbing

·         Vandalism

Homeowners insurance generally does not cover damage resulting from poor maintenance, poor construction, or gradual deterioration of the foundation. It’s important to remember that standard insurance policies don’t cover damages from earthquakes or flooding. Homeowners should carefully read their insurance policy and speak with their insurance company to find out what types of damages are covered and whether additional coverage is needed.

Preventing Foundation Issues

·         Ensure proper drainage: To prevent rainfall from building up and overflowing into the soil beneath the foundation of your home, keep your gutters free of obstructions.

·         Maintain moisture levels: Preventing the soil surrounding your house from getting too dry may require occasional watering in the event of a drought. Additionally, to keep the soil's moisture and temperature stable, you can lay mulch around the house.

·         Prevent root intrusion: If trees grow close to your home, keep an eye on them in case their roots reach the foundations. Install a root barrier if necessary.

·         Maintain greenery: If there are bushes or grass close to your foundation, trim them short to deter insects, rodents, and burrowing animals beneath your foundation. 

·         Inspect plumbing: Make sure you routinely check for plumbing leaks to stop soil erosion under the foundation.

·         Regularly inspect foundation: Check the foundation periodically for cracks, and take action promptly to fix any problems before they get worse.
 

Understanding the extent of coverage for foundation issues under your insurance policy is essential to protecting your investments. Homeowners should consider additional coverage options and take proactive measures to safeguard against potential foundation problems. By being informed and taking preventative steps, homeowners can better protect their property and finances from the costly repercussions of foundation damage.