Are foundation repairs covered by insurance?
The logical answer to this question would be to call your insurance agent to find out about coverage for foundation repair. But calling a structural engineer is our recommendation. The structural engineers in your area experienced with making foundation repair recommendations will also know how most of the insurance companies handle claims.
Most homeowner’s policies exclude coverage for foundation repair. Only in cases where foundation movements have been caused by sudden and accidental discharge of water from a household plumbing system (sewer or supply) is there a possible chance for coverage. (Read Your Policy)