Q: Does home insurance cover paving over a washed-out gravel driveway?
Apr 08, 2021

"My neighborhood has dealt with some extreme rainfall lately. All this excess water has washed out my gravel driveway. I want to get it paved to avoid similar problems in the future. Will my home insurance cover the cost of paving the driveway?

"

Answer provided by
Shannon Martin
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.

“It is great that you are looking to make improvements to your home to prevent future losses! Unfortunately, upgrading the driveway will not be covered under your homeowners policy, and there are few reasons why.

First, standard homeowners policies exclude floods, especially as defined as rainwater accumulating at a rapid pace. And a flood policy wouldn’t cover a gravel driveway because it is not a structure.

Your homeowners policy can provide reimbursement for supplies that are used to prevent further damage to your property at the time of a loss, but it is the nature of a gravel driveway to lose gravel from shifting, so this option would not apply here, either. “

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