So you’ve got a hefty bill on your hands for foundation repair, and you’re wondering if you’re covered by your insurance provider.
The good news is that foundation repair is not listed as an exclusion on a standard home insurance policy in Sandpoint, ID. In fact, exclusions almost never have to do with any particular part of the home. A home insurance policy that will cover a window will cover a wall, a garage door, flooring, roofing, and yes, foundation repair.
The question comes down to how the foundation was damaged.
You’ll want to read your policy to be certain, but generally, you can expect that a home collapsing from the weight of ice or snow on the roof will be covered, a home crushed by a falling tree is usually covered, windstorm, water damage, car accidents, explosions, these are all going to be covered on a typical insurance policy.
Earthquakes probably won’t be covered, natural settling of the foundation, such as shrinking in winter and stretching in summer, won’t be covered, neither will faulty construction, and neither will pressure from tree roots. So if you have some tree roots stretching dangerously close to your home, get that looked at.
You can expect that these rules apply to any part of your Sandpoint, ID home. A roof collapsing due to poor construction won’t be covered, but if a tree falls on it, it probably will be, and so on. If you have any questions, get in touch with The Insurance Shop USA. The Insurance Shop USA can help Sandpoint, ID homeowners to get a good deal on a great insurance policy.