One of the most important components of any home is the foundation. If this becomes compromised, the entire structural integrity of the building will weaken. Unfortunately, there are a number of ways foundation damage can occur, and repairs aren’t always covered by home insurance. If you are dealing with foundation problems, you should know whether the policy will help pay to fix it. Here are a few details to understand before trying to file a claim with the insurance company.

When Foundation Damage Is Covered 

You can count on your home insurance to cover foundation repairs if the damage was caused by a peril that is included in your policy. Standard policies will typically pay for losses incurred due to fire, tornados, windstorms, broken plumbing, explosions, falling objects, and vandalism. You may also be able to purchase supplemental insurance for earthquakes, floods, and sewer backups, which will expand coverage for foundation damage, as well. 

When Foundation Damage Is Excluded 

The most common causes of foundation damage are generally excluded from home insurance policies. This is because coverage is intended to provide financial relief for losses that are unavoidable, and insurers consider most foundation problems to be the result of poor maintenance or workmanship. Thus, damage caused by soil expansion and contraction, construction defects, foundation settlement, drought, poor drainage and soil erosion, or tree roots will not be covered. 

When you’re properly covered for potential foundation issues, you’ll save a lot of money in the long run. The agents at Advantage Insurance Agency in Lincoln, NE, will help explore your home insurance options to determine what kind of coverage is available to protect you from costly foundation damage. They represent a number of different providers and will take care of all the legwork involved in comparing policies and prices to find the best deal for you. Call their office at (402) 484-5454 to request a quote or visit them online to learn more about their offerings.