The first question homeowners want to know is whether or not their home insurance policy covers foundation cracks or settling. The answer to this question is yes and no.

It all depends on the cause of the foundation damage. If the damage is caused by a covered peril, such as a natural disaster or plumbing leak, then your home insurance policy will cover the costs of repairs. However, if the damage is caused by normal wear and tear or age, then it’s unlikely that your home insurance policy will cover it.

It’s important to note that home insurance policies often have deductibles and limits. This means that you may have to pay out-of-pocket for some of the costs of repairing your foundation. It’s also important to read your policy carefully to make sure that you understand what is and isn’t covered by your home insurance policy.

If the damage to your foundation is caused by a covered peril, then your home insurance company can help. The first step is to contact your insurance company and report the damage. Your insurance company will then assign an adjuster to your claim who will inspect the damage and determine the cause.

If the adjuster confirms that the damage is covered by your home insurance policy, then they will provide you with an estimate of the repair costs. Your insurance company will also provide you with a list of approved contractors that you can use to make the repairs.

If you need to file a claim for foundation damage, then the process is fairly straightforward. The first step is to contact your home insurance company and report the damage. You’ll then need to provide your insurance company with evidence of the damage, such as pictures or video.

Your insurance company will then assign an adjuster to your claim who will inspect the damage and determine the cause. If the adjuster confirms that the damage is covered by your home insurance policy, then they will provide you with an estimate of the repair costs. Your insurance company will also provide you with a list of approved contractors that you can use to make the repairs.

Once you’ve chosen a contractor, your insurance company will pay for the repairs up to the amount of your coverage limit. It’s important to remember that you may have to pay a deductible before your insurance company will pay for the repairs.