Cement front porch (stoop)

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Nov 19, 2016

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Insurance Question from Nashville, TN

Asked on 11/19/2016

Cement front porch (stoop) My front stoop has cracked in half. This makes it dangerous to go in and out the front door. Will my insurance pay to have it replaced?

Answer given on November 27, 2016

The homeowner insurance policy covers damage to the home due to sudden and accidental damage. There are also exclusions which apply to the policy.The fact that your front stoop has cracked does not indicate any sudden and accidental damage. It is most likely caused by age and/or shifting of the foundation and stoop. Therefore the damage would not be covered by your homeowner insurance unless you can find something that would have caused the damage. A very hot fire could cause concrete to crack, but you did not indicate any such occurrence has happened.You can call your insurance agent to talk with them about the possible damage. However, some insurance companies treat such a call as a claim filed and it could affect your homeowner insurance premium because you could lose your claim free discount. Also, if you call your agent or company they may come out and review the damage. You should consider fixing this as soon as possible to avoid a trip & fall claim.

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