`Is my foundation covered under my homeowners policy?

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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: Sep 9, 2011

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Insurance Question from Boynton Beach, FL

Asked on 09/09/2011

`Is my foundation covered under my homeowners policy? When it rains hard , I am getting water leaking into my frony room. My carpet is getting moldy. I had someone come and look at it and they said that the window box in the garden - which is attached to the front of my home has to be removed. The foundation cracked and has to be cemented back onto the cement slab. The house is 20 years old and has gone through major hurricanes without a problem. Am I covered by my homeowners insurance?

Answer given on September 18, 2011

The homeowner policy is designed to protect you from sudden and accidental damage to the home. A cracked foundation is generally not sudden and accidental, but something that occurs over a period of time, and more of an maintenance issue. Homeowner policies do not cover maintenance issues such as what you are experiencing, nor termites or age related losses.If you could prove the foundation was damaged by a hurricane, and that you had hurricane coverage, there could be some help for you. However, the description you are giving leads me to believe this would not be a covered loss.You may ask the contractor if he has any ideas as to the cause lf damage. It might be faulty construction, which is not a covered loss. In addition, land movement is not covered. Unfortunately it appears this damage is not something that would be covered.

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