When homeowners notice cracks in walls, uneven floors, or doors that won’t close properly, a common and often scary question follows:
“Will my home insurance cover foundation repair?”
Let’s break down the answer—and what you can do next.
âś… What Is Foundation Damage?
Foundation damage refers to structural issues that affect the base of your home. Common signs include:
- Cracks in walls or ceilings
- Sloping floors
- Gaps around windows or doors
- Standing water around your foundation
đź“‘ What Does Home Insurance Typically Cover?
Most standard home insurance policies do NOT cover foundation repairs caused by:
- Normal wear and tear
- Soil settling
- Tree roots
- Poor construction or lack of maintenance
However, home insurance may cover foundation repairs if the damage is caused by a covered peril, such as:
- Storm damage or fallen trees
- Plumbing leaks or burst pipes
- Flooding (if you have flood insurance)
- Earthquakes (if you have a separate earthquake policy)
🔍 Example:
If heavy rain causes water to seep under your foundation, and that leads to cracking or shifting, your insurance might pay for part of the repair—as long as the source of the issue is covered in your policy.
đź’ˇ What Should You Do If You Suspect Foundation Damage?
- Document the damage: Take photos, videos, and notes.
- Contact your insurance company: Ask them if the damage is covered under your policy.
- Call a licensed contractor: You’ll need a written inspection or repair estimate to move forward.
- Act fast: The longer you wait, the more damage (and cost) you’ll likely face.
🛠️ How JLM Construction Can Help
At JLM Construction Group, we work directly with homeowners and insurance providers to:
- Inspect and assess foundation and structural damage
- Provide written reports for insurance claims
- Deliver trusted, code-compliant foundation repairs
- Restore your home’s safety and value
đź“ž Think You Have Foundation Issues?
Call or text JLM Construction Group today at 770-626-0914
đź“Ť Serving Valdosta, Atlanta, and surrounding regions
🛠️ Free consultations | Licensed & Insured | 20+ Years Experience
