Would My Homeowners Policy Cover a Cracked Foundation?

Owning a home can be a rewarding experience and a smart investment. In fact, it's a big part of what we consider the "American Dream" to be. But there are many headaches associated with home ownership - the majority of them are related to maintenance, home repairs, and the occasional home crisis. Discovering that your home has a cracked foundation can be an alarm - not only do you have structural damage to your house, but you also could have other related issues such as water intrusion.

But just because your home has a cracked foundation, it doesn't mean that your homeowners insurance will automatically cover the damage or repair. In fact, such an issue could be explicitly excluded from your coverage.

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As you go about getting your home repaired and working with your insurance company - or even if you are simply preparing for owning a home in the future - be sure to remember these factors when it comes to homeowners insurance.

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