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When foundation problems arise, we know how challenging it can be to navigate through the next steps of ensuring that your home receives the proper solution at a price you can afford. Trying to figure out if your insurance covers your foundation repair can be tricky. But, fortunately, there are some situations where your insurance policy might pick up the tab. What are those situations? Continue reading to learn more.

HomeWhat Does Homeowners Insurance Normally Cover?

This is a common question we tend to see in the foundation repair industry. Not all foundation repairs are covered by insurance policies, but some are. Coverage varies, so it is always a good idea to read your policy to determine what is included. Here are some instances where your policy might cover foundation repair:

  • Water Damage
  • Natural Disaster

Water seeping into your home’s foundation is never good, it can cause your home’s support system to deteriorate. A pipe bursting is considered water damage that most homeowner policies cover. A good rule of thumb is if the damage was sudden instead of happening over time, then it is most likely covered. A natural disaster is another example where your policy will most likely pick up the bill. Some examples include a fire or an explosion.

What Wouldn’t Be Included In A Policy?

There are foundation damage issues that your policy probably does not cover. Some examples of those include:

  • Poor Construction
  • Settling Foundation
  • Normal Wear & Tear

For the most part, if the situation can be fixed with regular maintenance or is due to poor construction, then it isn’t covered by your insurance. That’s why it’s important to bring in a foundation repair expert to determine the problem before the repairs get more costly down the road.

What To Do If You Have Foundation Damage

When you suspect foundation damage in your home, it’s important to get an expert’s opinion as soon as possible. The longer you wait the more costly and detrimental the damage could become. Here are some foundation damage indicators:

  • Drywall Cracks
  • Sticking Doors & Windows
  • Flooded Basement
  • Uneven Floors

If these signs seem familiar- contact the professionals at Basement Masters Waterproofing & Foundation Repair. We can help you determine the cause of the damage and get your home secure and safe again. Request a Free Estimate today to get started.

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