Will Your Homeowners Insurance Cover Foundation Repair?

Insurance agent crouching while inspecting a home's wall.

If you’re in need of foundation repair, you may be asking yourself if your homeowners insurance will cover this type of repair. Unfortunately, the answer is typically no. While it’s never a bad idea to check with your local insurance agent, typically foundation repair is not covered by most homeowners insurance policies. At Tom’s Basement Waterproofing, we work with homeowners all the time who are dealing with foundation repair and so we’ve come up with a few ways to help prevent foundation repair costs.

How to Prevent Foundation Problems

Below are just a few of the ways you can prevent common foundation problems:

  • Inspect the Perimeter of Your Home – Regularly inspect the foundation of your home. If you notice any cracks or if you see a gap between your foundation and the surrounding soil, it could be a sign that a foundation problem is beginning. It’s always best to contact a foundation repair company like Tom’s Basement Waterproofing at the first sign of a foundation problem.
  • Check Your Downspouts – Your gutters and downspouts play an incredibly important role in the health of your home’s foundation. Be sure that your gutters are functioning properly and that your downspouts are diverting water away from your home’s foundation. This can be one of the easiest ways to prevent major foundation problems.
  • Check The Slope Around Your Home – When your home was originally built, the dirt around it was likely graded to divert water away from your home’s foundation. Unfortunately, erosion can cause this to no longer be the case. Be sure that the grade of dirt around your home is forcing water away from your home as opposed to towards it.
  • Plant Trees Far Away from Your Home’s Foundation – Trees can not only pull nutrients out of the soil causing it to shrink, but their roots can cause major foundation problems as well. Tree roots can span many, many feet underground and can eventually break through your home’s foundation allowing water to make its way inside your home. Do yourself a favor and plant any trees far away from your home’s foundation.

Interested in a Free Foundation Repair Estimate?

If you’re unsure of whether you’re in need of foundation repair, or if you’d like a second opinion based on advice you’ve received, feel free to reach out to the experts at Tom’s Basement Waterproofing. We’ve been providing foundation repair and foundation waterproofing to residents in the area for decades. We can be reached any time at (586) 949-7826 and would be glad to come out to your home to provide you with a free foundation repair estimate.