If your house is sinking will homeowners' insurance cover it?

Answer

Unless you have a broken waterline under your foundation causing the sinking (and coverage for broken waterpipes in/under the foundation) there is no coverage. Section I - Exclusions of your policy explains 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" (language varies by state).

If you can prove that someone purposefully sold you the property and did not disclose such facts as a garbage dump, then depending on your state, you may have a case against the person or firm who withheld the information. Sounds like a good case to run by a lawyer.

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