Does home insurance cover foundation cracks?

Our home is old and we are noticing cracks in our foundation. Could we submit a claim to our insurance?

Answer
“Cracks in the foundation of an older home are typical and considered wear and tear to due the age. Unfortunately, wear and tear isn’t a covered peril under either HO-2 or HO-3 policies. This is similar to car insurance policies that cover named damages, but not wear and tear from daily driving.
HO-2 policies only cover 16 named perils. This includes fire, windstorms, lightning, and vandalism. Anything not listed in the 16 named perils is excluded. HO-3 policies are open peril and anything is covered that isn’t excluded. However, HO-3 policies specifically exclude the settling, cracking, bulging, or expansion of foundations. It also excludes any deterioration or normal wear and tear.
Although you can’t get the cracks covered, it’s recommended that you get them fixed as soon as possible. If a covered event or loss were to occur, you want to be sure prior damage won’t impact a future claim. In the future, a home warranty or an emergency fund might be a good option.
If you want to save up some cash for an emergency fund, shopping home or car insurance is a smart move. Sign up for the Jerry app, and in just minutes, you can compare rates from over 50 car insurance providers.”
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Emily Maracle
Answered on Sep 09, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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