Homeowners that need to get a foundation leak repaired probably automatically wonder if that is covered by homeowners insurance. Homeowners insurance is typically quite specific when it comes to what it covers and what it doesn’t cover. It’s also important to remember that every homeowners insurance is different and they may cover different things. If you’re looking to find out if your foundation leak repair is covered by homeowners insurance then you should look at your policy to see what exactly it covers. We will go over what is typically covered by homeowner’s insurance to give you a better idea of what to expect when paying for foundation leak repairs.
Does Homeowners Insurance Typically Cover Foundation Issues?
Homeowners insurance typically does cover foundation leak repair as long as the cause of your foundation leak is covered by your policy. As a rule of thumb homeowners insurance typically covers foundation issues that happened suddenly rather than something that happens over time such as natural settling or sinking. With that being said, always check with your insurance provider to find out what exactly is covered on your specific policy. This information is presented by our Springfield foundation repair team; offering foundation repairs such as foundation leak repair in Springfield MO.
Here are a few causes that most homeowners insurance policies cover.
- Lightning or fire
- Explosions
- Damage caused by vehicles
- Collapse due to snow, ice, rain or sleet
- Riots or civil disturbances
- Windstorms
- Fallen trees
- Water damage from plumbing or HVAC
- Vandalism
- Damage caused by aircrafts
Here are some examples of causes that aren’t usually covered by homeowners insurance.
- Natural settling, shrinking, bulging, or expansion
- Earthquakes
- Flooding
- Tree root pressure
- Sinkholes
- Rodents or insects
- Faulty design or construction
These causes are the basis of what homeowners insurance typically covers, however, if you’re looking to get your foundation fixed then you should call your insurance company to look into your specific policy and see what exactly is covered by your insurance. Foundation leak repair in Springfield Missouri is typically covered on homeowners insurance as long as the foundation leak was caused by storms, trees, fire, vandalism, or any of the other causes listed above.
Is Structural Damage Covered By Insurance?
Whether or not structural damage is covered on homeowners insurance is determined by the cause of the structural damage. It is treated the same way as foundation leak repairs so most causes will not be covered unless they were caused by some sort of weather damage or other sudden event that can cause structural damage. Usually, damage done by natural settling and other home events are not covered, but in the event of a disaster or sudden event that causes damage will be covered.
Here are a few examples of causes that are covered by homeowners insurance.
- Theft
- Explosion
- Vandalism
- Fire or smoke
- Volcanic eruption
- Hail or windstorm
- Aircraft damage
- Damage from vehicles
- Riots and civil commotion
Typically these examples are usually covered by homeowners insurance. However, damages that are not sudden or accidental are not covered by homeowner’s insurance. For example, poor design, unstable soil, poor workmanship, among other things are all not typically covered by homeowners insurance. With that being said, it’s important to consult your insurance company for specifics on what exactly is covered and isn’t covered. Typically an inspector will come to inspect your damages and they will determine the cause, which will also determine whether or not your homeowners insurance will cover the damages.
How To Determine What Is Covered On Your Homeowners Insurance Policy
When it comes to figuring out what is covered on your homeowners insurance policy it can be as easy as contacting your homeowners insurance company in order to see exactly what is covered on your specific policy. The basic rule of thumb is that any damages that are due to an accidental or sudden event is covered on your homeowners insurance. The key to this is figuring out what exactly caused the damages. Fires, wind, explosions, and other sudden events that cause damage are covered on homeowners insurance.
If you’re looking to see if damages are covered on your homeowners insurance the best piece of advice is to simply contact your insurance company or to look at your policy and most insurance companies have specifics laid out on what is covered and what isn’t covered. When you are looking to see if something is covered on your insurance, typically they will send someone out to your property to inspect it. The inspector will look at the damages to determine the cause of it. The cause of the damages will also determine if the repairs will be covered on your homeowners insurance policy or not.
Homeowners Insurance And What It Typically Covers
Homeowners insurance typically covers any type of damage that is caused by something accidental or sudden. Whether or not something is covered on your homeowner insurance is based on what caused the damage in the first place. Thai can be difficult to determine, but insurance companies will send someone out to inspect the damages to your property and determine what exactly caused them. Homeowners should have a general idea of what is covered on their policy and if they aren’t sure then they are able to contact the insurance company in order to see what they cover on their policy.
Foundation leak repair, structural damages, and other foundation problems are covered on homeowners insurance if they were caused by something sudden or accidental such as a fire, explosion, volcanic eruption, damage by vehicle or another sudden event. General settling, sinking, and any other event that is natural to the home or foundation will unfortunately not be covered with homeowners insurance.
Overall, if you have questions about what exactly is covered on your insurance policy you should contact your insurance provider because not every insurance company covers the same things. Homeowners that have experienced something out of their control and suddenly should feel a sense of relief to know that their repairs will be covered by homeowners insurance. It’s also important to remember that in some cases you can pay extra on homeowners insurance for other events to be covered, such as flooding. Homeowners looking to find out if their damages are covered on their homeowners insurance policy should contact their provider to determine if it is covered or not.