Homeowners Insurance for Foundation Repair

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: structural engineers in your area who are experienced with foundation repair will also know how most insurance companies handle these claims.

Most homeowners policies exclude coverage for foundation repair. Only in cases where foundation movement has 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 carefully, and ask your agent to point you to the exact exclusion language before you assume either way.