In Home Insurance Claims

Do you know if your homeowner’s insurance covers foundation work? You might want to look your policy over and see.  If you live in a state like Florida where foundational issues are a common problem, this is definitely the type of supplemental coverage you should invest in.  If you’re unsure about this, contact your agent and ask them the following questions:

  • Are there foundational repair methods that aren’t covered?
  • Does the amount of coverage depend on what caused the damage?
  • Does the policy cover small cracks?
  • How much of the cost will my insurance cover?

Pay attention to the second question above because it’s not one that people often ask.  In some cases, homeowner’s policies have language regarding the movement of the earth such as earthquakes, floods, and ground cave-ins.  But these aren’t commonly included unless they’re added on.  So, while your policy may cover any repairs to your foundation, it probably won’t cover damage that’s been caused by the soil compacting or expanding.  Unfortunately, most of the time, the damage is caused by movement.

As a general rule, general foundation repair won’t be covered in a homeowner’s policy.  So, it’s extremely to check your foundation and home for cracks, doors that are difficult to close and open, and other signs of foundational shifting.  This will enable you to keep any foundation damage repairs to a minimum.  Take the following steps to ensure that your foundation is well maintained:

  • Inspect the ground for gaps between the foundation and the soil surrounding it.
  • Install a root guard or plant trees far from your home’s perimeter to prevent tree roots from pushing against or into the foundation.
  • Make sure that your downspouts and rain gutters are depositing water a minimum of 5’ to 10’ away from the foundation.

Being proactive with the care and maintenance of your home’s foundation can go a long way to saving on the cost of repairs in the future.  Depending on the area your home is located in, you should consider adding a dwelling foundation rider to your policy.  Just be aware that this only covers foundation repair costs attributed to specific events and those typically exclude the compaction and expansion of the soil.

There are various aspects of the homeowners claim that has to be considered and when you are finding it difficult to claim the damages, it is best to hire the services of a lawyer. Thus, If you and your homeowner’s insurance company have come to a stalemate over a denied damage claim, a disagreement over coverage, or an unacceptable settlement offer, contact Korin Law P.A. today. We’ll be glad to help you.

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