"My house's foundation is damaged from the shifting and settling of the soil around it. Will my home insurance cover this damage? "

Having to pay for the damage myself will wipe out my emergency savings. Any assistance from my insurance company would really help me out.

Answer
“Unfortunately, the answer is no. Homeowners insurance will not cover any type of damage to your home due to age, settling, or deterioration. It is your responsibility as a homeowner to keep your house in good shape so that it doesn’t suffer from any structural or cosmetic damages.
Insurers also view house settling as largely preventable, albeit in the pre-construction stage through proper ground preparation before the foundation is laid. “
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Alexah Grinnell
Answered on Apr 05, 2021
Alexah Grinnell has been working in the insurance industry for 5 years with a primary focus of coverage consulting in the sales department. She has been working for Jerry Insurance since July of 2019 and has also has experience working for AAA and State Farm. She currently lives in Rochester, NY with her husband and 3 kids
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