One of the most important parts of your home is your home foundation. The foundation is what will help to keep your home safe to live in and standing upright for an extended period of time. Unfortunately, if you notice that there are cracks in your foundation, it could be a sign of a serious problem that could be very expensive to fix. In some situations, you may be able to use your home insurance policy to cover the repairs to fix your foundation.
One situation in which your home insurance policy could cover Foundation repairs is if it is damaged during a natural disaster. If your home is struck by a tornado, any repairs necessary to fix your property should be covered by the home insurance policy. If you happen to live in a flood zone or earthquake zone, you may need to have an additional insurance policy to cover repairs associated with those disasters.
Change in Climate
Another situation in which your foundation repairs could be covered by your home insurance policy is if there are significant and recognizable changes to your climate. Homes are built with a certain type of foundation to meet the needs of the local area. However, if the climate in the area changes significantly, it could have a devastating impact on your foundation. For example, if you live in a temperate area that is used to getting rain, your foundation could suffer if your area suddenly goes through an extended dry spell. In these cases, you could argue that the insurance company should be responsible for the repairs as it is an unforeseen calamity.
Negligence or Vandalism
Another situation in which your foundation could be damaged is if a party is either negligent or vandalizes your home. If they happen to vandalize your property to the point in which it damages your foundation, your home insurance company will be responsible for making the necessary repairs to your foundation.