Foundation Problems and Home Insurance: What Is (and Isn't) Covered
Most homeowners insurance doesn't cover foundation repair — but there are exceptions. Here's what you need to know.
6 min read · February 24, 2026
One of the most common questions homeowners ask is whether their insurance will cover foundation repair. The short answer: usually not, but there are important exceptions.
What's Typically NOT Covered
- ❌ Normal settling and soil movement
- ❌ Expansive clay soil damage
- ❌ Poor drainage or grading
- ❌ Tree root damage
- ❌ General wear and tear
What MAY Be Covered
- ✅ Sudden plumbing leaks that cause foundation damage
- ✅ Fire or explosion damage to foundation
- ✅ Vehicle impact damage
- ✅ Vandalism
The key distinction: damage from a sudden, accidental event (covered peril) vs. gradual deterioration (not covered).
💡 What to Do
Always file a claim if you suspect a covered peril caused the damage. Document everything with photos and get a professional inspection report. Even if the claim is denied, it creates a paper trail that may help with future claims or appeals.
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