Does home insurance cover structural damage?

I just bought a house and I plan to stay put for a long time. In the future, I wonder if I'll have to deal with structural damage to my home. Will my insurance company provide financial support?

Answer
That is a great question! Structural damage (damage to the load-bearing walls, foundation, or roof) is covered under your policy as long as it is caused by a covered peril. For example, a fire can cause devastating damage to a home and is covered.
However, many typical causes of structural damage are excluded from homeowners policies. Earthquakes and floods are the most common causes, and unless you have added coverage through an endorsement, you will not be covered for this type of loss.
Tree roots and the natural settling, cracking, or shrinking of a foundation are also common exclusions that are never covered. Some policies may exclude foundation coverage altogether no matter what the loss is.
This can depend on the state you live in, so it is very important to read over your policy exclusions to make sure you have the coverage that works best for you!
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Shannon Martin
Answered on Mar 12, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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