{"id":52663,"date":"2025-03-27T15:34:35","date_gmt":"2025-03-27T19:34:35","guid":{"rendered":"https:\/\/www.plymouthrock.com\/?post_type=resources&#038;p=52663"},"modified":"2025-12-12T13:56:29","modified_gmt":"2025-12-12T18:56:29","slug":"does-home-insurance-cover-foundation-issues","status":"publish","type":"resources","link":"https:\/\/www.plymouthrock.com\/resources\/does-home-insurance-cover-foundation-issues","title":{"rendered":"Does home insurance cover foundation issues"},"content":{"rendered":"\n<a id=\"back-to-top\"><\/a>\n\n\n\n<p>Your home\u2019s foundation is the structural base of your home. Without a sturdy foundation, your house may settle unevenly, putting the stability and safety of the entire house at risk. But what happens if your foundation gets damaged in some way? Does <a href=\"https:\/\/www.plymouthrock.com\/insurance\/home\">home insurance<\/a> cover foundation issues?<\/p>\n\n\n\n<div class=\"home-resources-orange-border2\" style=\"width:100%!important;\"><strong>Table of contents<\/strong> <ul style=\"list-style-type: padding-left:10px;\"><li style=\"color:#00; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#types\">Types of foundations<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#common\">Common causes of foundation damage<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#when\">When does your home insurance cover foundation damage<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#when2\">When doesn\u2019t your home insurance cover foundation damage<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#additional\">Additional coverage options<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#how\">How to prevent foundation damage<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#how2\">How to file a foundation repair insurance claim<\/a><\/span><\/li><\/ul><\/div>\n\n\n\n<a id=\"types\"><\/a><h2 style=\"margin-bottom:0px; margin-top:20px;\">Types of foundations <\/h2>\n\n\n\n<p>There are many different types of house foundations, but three of the most common are full basement, concrete slab and crawl space.<\/p>\n\n\n\n<div class=\"home-resources-orange-border2\"><strong>Popular Foundation Types<\/strong> <ul style=\"list-style-type: '\\2713'; padding-left:10px;\"><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Full basement<\/span><\/li><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Concrete slab<\/span><\/li><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Crawl space<\/span><\/li><\/ul><\/div>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Full Basement Foundation<\/strong><\/h3>\n\n\n\n<p>A full basement foundation matches the perimeter of the house above. So, if the ground floor is 1,200 square feet, the basement\u2019s square footage will also be 1,200\u2014give or take. As a result, these basements are ideal for additional storage, utilities and potential living areas. Basement foundations are prevalent in the Northeast.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Concrete Slab Foundation<\/strong><\/h3>\n\n\n\n<p>A slab foundation is a flat concrete slab that rests on the ground. As a result, it forms the main floor of the house. Generally speaking, a slab foundation is less expensive to construct because it\u2019s poured in one single piece. However, slabs don\u2019t provide the extra storage space that a basement offers.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Crawl Space Foundation<\/strong><\/h3>\n\n\n\n<p>A crawl space foundation forms a slighty elevated space below a house. It can serve as the main foundation or be added to an existing basement foundation when expanding a home. Depending on how large the space is, a crawl space foundation can provide enough room for storage, a <a href=\"https:\/\/www.plymouthrock.com\/insurance\/home\/coverage-policy-options\/home-systems-breakdown\">furnace and other equipment<\/a>.<\/p>\n\n\n\n<a id=\"common\"><\/a><h2 style=\"margin-bottom:0px; margin-top:20px;\">Common causes of foundation damage <\/h2>\n\n\n\n<p>Foundation damage can be caused by a number of different environmental factors. Here are some of the more common ones:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Water buildup<\/strong> \u2013 Water that accumulates under the home\u2019s foundation can wash away the land underneath. This form of erosion can cause the foundation to move.<\/li>\n\n\n\n<li><strong>Natural disasters<\/strong> \u2013 Earthquakes, <a href=\"https:\/\/www.plymouthrock.com\/insurance\/flood\">floods<\/a> and wildfires can damage your home\u2019s foundation.<\/li>\n\n\n\n<li><strong>Faulty construction<\/strong> \u2013 Uneven slabs, concrete issues and shoddy building materials can all lead to foundation problems.<\/li>\n\n\n\n<li><strong>Pests<\/strong> \u2013 Burrowing animals such as groundhogs, moles and <a href=\"https:\/\/www.plymouthrock.com\/resources\/does-home-insurance-cover-termite-damage\">termites<\/a> could compromise your foundation.<\/li>\n\n\n\n<li><strong>Tree roots<\/strong> \u2013 <a href=\"https:\/\/www.plymouthrock.com\/resources\/does-home-insurance-cover-tree-damage\">Large trees<\/a> that are planted too close to your home can damage your foundation in time.<\/li>\n\n\n\n<li><strong>Natural settling <\/strong>\u2013 Natural settling is one of the most common foundation issues. When the ground settles, minor cracks can form in your foundation.<\/li>\n<\/ul>\n\n\n\n<div style=\"width:100%; text-align:right; padding:5px 0px 5px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"when\"><\/a><h2 style=\"margin-bottom:0px; margin-top:10px;\">When does your home insurance cover foundation damage <\/h2>\n\n\n\n<p>The <a href=\"https:\/\/www.plymouthrock.com\/resources\/what-is-dwelling-insurance\">dwelling coverage<\/a> portion of your homeowners insurance will pay for foundation damage in some instances and not in others. It all depends on what caused the damage in the first place. Generally speaking, the cause needs to be sudden and unexpected for your homeowner insurance to kick in.<\/p>\n\n\n\n<div class=\"home-resources-orange-border2\"><strong>Damage That Is Typically Covered<\/strong> <ul style=\"list-style-type: '\\2713'; padding-left:10px;\"><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Fire<\/span><\/li><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Natural disasters<\/span><\/li><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Fallen objects<\/span><\/li><li style=\"color:#F37021;\"><span style=\"color:#000; margin-left:10px; display:block;\">Vandalism<\/span><\/li><\/ul><\/div>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Fire<\/strong><\/h3>\n\n\n\n<p>Intense heat from a fire can permanently damage a foundation. Specifically, it can weaken the concrete and the steel reinforcement bars within the concrete, leading to a loss of strength and durability.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Natural Disasters<\/strong><\/h3>\n\n\n\n<p>Events like tornadoes, windstorms and hail count as covered perils in most homeowners insurance policies. Therefore, your home policy will typically pay for repairs if the foundation is affected by one of these events. Damage caused by earthquakes and floods usually aren\u2019t covered by a <a href=\"https:\/\/www.plymouthrock.com\/resources\/things-you-should-know-about-homeowners-insurance\">standard home insurance policy<\/a>. You may need separate policies for those events.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Fallen Objects<\/strong><\/h3>\n\n\n\n<p>During severe storms, there\u2019s a chance that trees or other objects could fall onto your house. In these scenarios, your home insurance policy is likely to cover the repairs.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Vandalism<\/strong><\/h3>\n\n\n\n<p>Vandalism is another sudden and unexpected event. If someone deliberately damages your home\u2019s foundation, your policy could cover the repair costs. Be sure to document the damage thoroughly when filing a claim with your insurance carrier.<\/p>\n\n\n\n<a id=\"when2\"><\/a><h2 style=\"margin-bottom:0px; margin-top:20px;\">When doesn\u2019t your home insurance cover foundation damage <\/h2>\n\n\n\n<p>If the foundation damage wasn\u2019t caused by a covered peril or didn\u2019t stem from a sudden and accidental event, your homeowners insurance policy may not cover it. Here are some scenarios where you may be out of luck.<\/p>\n\n\n\n<div style=\"border:1px solid #0078D6; margin-bottom:15px; margin-top:15px;\"><table style=\"margin-bottom:0px; font-size:1.125rem;\"><tr><td style=\"background-color:#0078D6; border-color:#ffffff; color:#fff; padding:10px 10px 10px 15px; text-align: left; width:50%;\"><strong>Damage That Is Typically Covered<\/strong><\/td><td style=\"background-color:#0078D6; border-color:#ffffff; color:#fff; padding:10px 10px 10px 10px; text-align: left; width:50%;\"><strong>Damage That Is Typically Not Covered<\/strong><\/td><\/tr>\n\n<tr><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left; vertical-align:top;\">Windstorms and tornadoes<\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left; vertical-align:top;\">Earthquakes and floods<\/td><\/tr>\n\n<tr><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Hail<\/td><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Foundation settling<\/td><\/tr>\n\n<tr><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Fallen objects<\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Normal wear and tear<\/td><\/tr>\n\n<tr><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Vandalism<\/td><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Faulty construction<\/td><\/tr>\n\n\n<\/table><\/div>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Earthquakes and Floods<\/strong><\/h3>\n\n\n\n<p>Most standard home insurance policies don\u2019t protect you against floods or earthquakes. If you live in an area that\u2019s vulnerable to these extreme weather events, you may need to buy additional flood insurance or earthquake insurance.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Foundation Settling<\/strong><\/h3>\n\n\n\n<p>Normally, any damage to your foundation caused by earth moving on its own accord would not be covered by a standard home policy. This includes the sinking, rising or shifting of the earth.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Normal Wear and Tear<\/strong><\/h3>\n\n\n\n<p>With foundations, normal wear and tear (such as poor drainage or old age) can result in small cracks in your foundation. This is considered normal and repairs wouldn\u2019t be covered by most homeowners insurance carriers.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Faulty Construction<\/strong><\/h3>\n\n\n\n<p>Home insurance companies may not cover foundation damage caused by poor workmanship, flawed construction materials, or poor zoning or grading. This is why it\u2019s important to have a <a href=\"https:\/\/www.plymouthrock.com\/resources\/how-to-prepare-for-a-home-inspection\">thorough home inspection<\/a> before buying a house.<\/p>\n\n\n\n<a id=\"additional\"><\/a><h2 style=\"margin-bottom:0px; margin-top:20px;\">Additional coverage options <\/h2>\n\n\n\n<p>A standard homeowners policy does not cover foundation damage caused by earthquakes and floods. If you want to maximize your protection, you\u2019ll need to buy extra insurance.<\/p>\n\n\n\n<p>First, you should check to see if your home insurance carrier offers endorsements to your policy for damage caused by earthquakes and floods. An endorsement is an optional coverage that you can add to your existing home policy.<\/p>\n\n\n\n<p>If they don\u2019t offer earthquake and flood endorsements, you will need to purchase a separate earthquake policy and a separate flood policy.<\/p>\n\n\n\n<a id=\"how\"><\/a><h2 style=\"margin-bottom:0px; margin-top:20px;\">How to prevent foundation damage <\/h2>\n\n\n\n<p>The best way to prevent foundation damage is to routinely monitor your foundation and then take swift action if you detect a problem. Two things that you should look for are cracks and signs of water damage.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Large Cracks<\/strong><\/h3>\n\n\n\n<p>Small, hairline cracks in concrete foundations usually are not a cause for concern, but more severe cracks can indicate a serious problem. If you see a larger crack, call a foundation professional and ask them to assess your property.<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:5px 0px 5px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:20px; font-size:18px;\"><strong>Water Damage<\/strong><\/h3>\n\n\n\n<p>You should also look for signs of <a href=\"https:\/\/www.plymouthrock.com\/resources\/does-home-insurance-cover-water-damage\">water damage<\/a> around your foundation. Specifically, keep an eye out for leaks, visible moisture on walls or floors, <a href=\"https:\/\/www.plymouthrock.com\/resources\/does-home-insurance-cover-mold\">mold growth<\/a>, and a musty odor in basements or crawl spaces. Over time, accumulating water can lead to erosion and eventually structural damage. <a href=\"https:\/\/www.plymouthrock.com\/resources\/how-to-prevent-home-flooding\">Proper drainage and waterproofing<\/a> are essential for preventing these issues.<\/p>\n\n\n\n<a id=\"how2\"><\/a><h2 style=\"margin-bottom:0px; margin-top:20px;\">How to file a foundation repair insurance claim <\/h2>\n\n\n\n<p>If your home has suffered foundation damage from a covered event, you may need to file a homeowners claim. Here are the steps you should take:<\/p>\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"52664\" class=\"elementor elementor-52664\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1b5eb7c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1b5eb7c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1893ae9\" data-id=\"1893ae9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-94d341c resource-slider elementor--h-position-center elementor--v-position-middle elementor-arrows-position-inside elementor-pagination-position-inside elementor-widget elementor-widget-slides\" data-id=\"94d341c\" data-element_type=\"widget\" data-settings=\"{&quot;autoplay_speed&quot;:13000,&quot;navigation&quot;:&quot;both&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;infinite&quot;:&quot;yes&quot;,&quot;transition&quot;:&quot;slide&quot;,&quot;transition_speed&quot;:500}\" data-widget_type=\"slides.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper\">\n\t\t\t\t\t<div class=\"elementor-slides-wrapper elementor-main-swiper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Slides\" dir=\"ltr\" data-animation=\"fadeInRight\">\n\t\t\t\t<div class=\"swiper-wrapper elementor-slides\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-repeater-item-0f41a20 swiper-slide\" role=\"group\" aria-roledescription=\"slide\"><div class=\"swiper-slide-bg\" role=\"img\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-heading\">Step #1: Call a Contractor to Assess the Damage<\/div><div class=\"elementor-slide-description\">Schedule an inspection with a <a href=\"https:\/\/www.plymouthrock.com\/resources\/does-homeowners-insurance-cover-damage-caused-by-contractors\">professional contractor<\/a>. They will examine your foundation thoroughly and recommend appropriate repairs or solutions.<\/div><\/div><\/div><\/div><div class=\"elementor-repeater-item-eb3115f swiper-slide\" role=\"group\" aria-roledescription=\"slide\"><div class=\"swiper-slide-bg\" role=\"img\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-heading\">Step #2: Document the Damage<\/div><div class=\"elementor-slide-description\">Take clear photographs or videos of all visible damage. Detailed records help your insurance company understand the cause and severity of the situation. <\/div><\/div><\/div><\/div><div class=\"elementor-repeater-item-adc1685 swiper-slide\" role=\"group\" aria-roledescription=\"slide\"><div class=\"swiper-slide-bg\" role=\"img\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-heading\">Step #3: File a Homeowners Insurance Claim<\/div><div class=\"elementor-slide-description\">Contact your insurance provider. Give them all the details and documentation you have so they can determine if you are covered for the repairs.<\/div><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\" aria-label=\"Previous slide\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-left\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\" aria-label=\"Next slide\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-right\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Your home\u2019s foundation is one of the most important parts of your home. It prevents your house from settling unevenly. But what happens if your foundation gets damaged? Does home insurance cover foundation issues? <\/p>\n","protected":false},"author":6,"featured_media":52633,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","inline_featured_image":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":""},"products":[72],"state":[],"class_list":["post-52663","resources","type-resources","status-publish","format-standard","has-post-thumbnail","hentry","products-home"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.8 (Yoast SEO v25.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Does home insurance cover foundation issues | Plymouth Rock<\/title>\n<meta name=\"description\" content=\"Your home\u2019s foundation is one of the most important parts of your home. 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