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Homeowners Insurance Coverage for Sinking Foundations?

Each major homeowners insurance policy will have its own earth movement language. There is very rarely a situation when earth movement is provided coverage without endorsement. One of the big three insurance carriers literally states plainly..."damage resulting from earth movement of any type is not covered" while other policies allow limited coverage for very specific situations employ the following policy language.... "there is no coverage for loss due to "settling, cracking, bulging, shrinkage or expansion of foundations, walls, floors, ceilings, walks, drives, curbs, fences, retaining walls". For this type of exclusion a loss associated with a broken waterline under your foundation which causes sinking/settling type damage may be covered under some policies, but not all.

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There is one exception where homeowners insurance would provide coverage to this general exclusion. This would be in an earthquake zone where the insured has purchased a specific rider which would provide coverage for only earthquake related damage.

Two alternative scenarios for getting reimbursed for earth movement damage to your home are: In a situation where there was a failure to disclose property conditions in a real estate transaction or in a situation where the earth movement damage was the result of negligence of another party which could be proved in a court of law. Contacting the offenders liability insurance or consultation of an attorney would be prudent in these situations.

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Related questions

Does homeowners insurance cover a sinking drive way?

It may, You really just need to discuss it with your Insurance Agent. Some homeowners policies do provide coverage for certain types of Sink-age and some do not.


Will homeowners insurance cover repair to a sinking concrete porch?

Homeowners policies exclude damage due to "settling, cracking, bulging, shrinkage or expansion of foundations, walls, floors, ceilings, walks, drives, curbs, fences, retaining walls..." (language varies by state)


Will homeowners insurance cover this My house had an addition built 2 years ago now the addition is sinking The inside of the house is cracking and leaking is spots the wall are starteing to pull away?

Call your company. Some companies do not cover shifting od the earth. What is causing the sinking? Check your policy under Perils Insured Against, and the section on Exceptions.


Will homeowner insurance cover the cost of repairs to the foundation of a house that was damaged when a water main nearby broke?

I don't know about a water main break but i had a main drain line cap come off under my house causing my crawl space t become the sewer for approx. 1 and half months until we finally noticed the smell. I had the fixed but all the water that had ran under my house caused it to sink in some spots. I would think normal settling of a house would be over a time span not sinking 2 to 3 inches in a period of 2 months. I was wrong, my insurance co (s.f.) said that it couldn't be covered because the house was settling. I had 3 estimates stating that the damage was caused by the drain problem. I guess as their slogan shoud state "money for nothing" is what ive got to live with, along with rolling off my bed when i sleep.AnswerIf the insurance company fails you in this way, you might want to go looking for a lawyer that can sue your insurance company and/or the person (or entity) that owned the pipe that leaked. You should call your state insurance commissioner, and your state representative about this-for some reason, insurance companies are intimidated by those two types of entities! And they are free. I would go to a lawyer as a last resort.Report the claim, and see what your companys stance is. I would recommend if it is denied to appeal the decision to your states dept. of insurance. As a side note, a similar thing occured to two homeowners in the city I live it, but it was a sewer line, the homeowners insurance denied the claim, the homeowners successfully sued the city, as they owned the sewer system, and won their case, it was far in excess of 100k. Good luck..


What would cause a pontoon boat to sink?

A pontoon boat does not normally sink. The cause of a pontoon boat sinking is damaged tubes. If a pontoon would hit something very hard it could cause the tubes to be damaged and fill with water. This may cause the boat to sink.


Is sinking a verb?

The verb is to sink, and sinking can be part of a verb tense such as continuous (is sinking, was sinking) and continuous perfect (has been sinking, will have been sinking). Present participles can be used as adjectives (e.g. He got off the sinking ship). It can also form participial phrases (e.g. He saw the ship sinking into the sea).But sinking is also a gerund, used as a noun (e.g. Sinking your boat is not a good idea).


Is the US sinking?

No the us is not sinking


How fast is London sinking?

London is not sinking.


What was the name of the submarine the confederates sank?

The Confederacy led in the experimentation with submarines. The most successful was the HL Hunley. This submarine sunk a Union warship however the sinking ship damaged the submarine that also sank.


Where is the Sinking Spring Public Library in Sinking Spring located?

The address of the Sinking Spring Public Library is: 3940 Penn Ave, Sinking Spring, 19608 1168


Make you a sentence with sinking?

He had a dreadful sinking feeling when they boarded the freighter.The ship was saved from sinking by the rescue crew.


When was Sinking In created?

Sinking In was created on 2007-03-05.