A home's foundation is critical to safety and value, but repairs can cost anywhere from $2,000 to $100,000 depending on severity. Many California homeowners wonder: does home insurance cover foundation repair? Let's explore what's included, what's excluded, and how to maximize coverage for structural safety.
Most standard homeowners policies cover foundation repair ONLY if the damage occurs due to an insured peril:
Your policy's "dwelling coverage" (Coverage A) protects the structure (including the foundation) from these events. If your detached garage or other outbuildings are damaged by a covered peril, repair costs should be included as well.
Homeowners insurance will not pay for foundation repairs when damage is caused by the following:
For foundation damage due to water backup or sewer issues, consider adding a water backup endorsement to your policy.
Insurance only covers damage from unexpected perils, not neglect. Reduce risk and keep your home insurable:
Contact us today to get in touch with the experts at John E. Peakes Insurance Agency for a policy review, personalized coverage guidance, and expert answers about homeowners insurance foundation repair. We'll help you understand exclusions, add coverage for extra risks (floods, earthquakes, water backup), and ensure you're ready for anything California's climate throws your way. Call [1-800-800-5199], or visit our Ventura or Lancaster offices to get started, protect your investment and your future.
No, natural settling and wear/tear are not covered-you must pay for these repairs yourself.
Not under standard home insurance. You need specific flood or earthquake coverage for those repairs.
Yes, ask about adding a water backup endorsement to your policy for such risks.
Provide documentation (photos, inspection, repair estimates) showing damage was sudden and linked to a covered peril.
