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Does home insurance cover a foundation?

During the last winter storm, my pipes froze and burst. Now there are cracks in my foundation that need to be repaired. Will my home insurance cover foundation repairs?

Talullah Blanco · Updated on Feb 3, 2022

Reviewed by Shannon Martin, Licensed Insurance Agent.

I’m sorry to hear there are cracks in your foundation. Luckily, your home insurance will cover foundation repairs if the damages were caused by a

.

However, if the foundation damage was caused by something explicitly excluded from your policy, you wouldn’t have coverage. Events that are typically excluded from your standard home insurance policy are:

or floods

Pressure from tree roots

Faulty construction

Natural settling, cracking, shrinking, bulging, or expansion of the foundation

To determine if the damage to your foundation is covered, carefully read your policy’s terms and conditions and speak with an agent.

Insurance coverage is confusing. If you have questions about your home or

coverage,

team of friendly agents are here to answer your questions and provide advice on coverage options.

MORE:

Does home insurance cover flooded basements?

View full answer

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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