Does Home Insurance Cover Foundation Repair

One of the most common questions homeowners have about foundation repair is whether their home insurance will cover the costs. Here's what you need to know about foundation repair and insurance coverage:

Standard Home Insurance Coverage
Most standard homeowners insurance policies provide limited coverage for foundation damage. Coverage typically depends on the cause of the damage.

What's Usually Covered:

• Sudden, accidental events (burst pipes, explosions)
• Natural disasters (if specifically included in policy)
• Fire damage
• Vehicle impact damage

What's Usually Not Covered:

• Normal wear and tear
• Settlement issues
• Poor maintenance
• Earth movement (unless additional coverage purchased)
• Water damage from flooding (requires separate flood insurance)

Tips for Homeowners:

1. Review your policy carefully
2. Consider additional coverage options
3. Document all foundation issues
4. Maintain regular inspections
5. Address problems promptly

For professional foundation assessment and repair in St. Louis, contact Acculift Foundation Repair. We can help document issues for insurance claims and provide expert repair services.

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