Foundation repair is not always covered by insurance, but it depends on the cause of the damage and the type of homeowners insurance policy you have.
🔍 Usually Covered (if caused by):
- Sudden events like plumbing leaks, burst pipes, or house fires
- Natural disasters (like earthquakes or floods), but only if you have specific coverage (earthquake or flood insurance)
❌ Not Covered (in most standard policies):
- Normal wear and tear or aging
- Soil movement due to expansion or contraction
- Poor construction or faulty design
- Tree root damage or lack of proper drainage
- Damage caused by neglect or delayed maintenance
To know for sure, check your policy’s section on dwelling coverage and exclusions, or speak with your insurance agent.
✅ Pro Tip:
If your foundation repair is due to a covered event, document the damage with photos and get an inspection report. This helps support your insurance claim.
In summary, foundation repair is sometimes covered by insurance, but not always. Understanding your policy and acting fast when you notice damage can make a big difference.