Does Homeowners Insurance Cover Foundation Leaks?

As a homeowner, it’s important that you get insurance coverage to protect yourself and your property. Unexpected and unforeseen damages from vandalism, force majeure, or other unpredictable events, can cause flooding and foundation leaks.

Damage to the foundation of a home is more common than many realize. If you own an older property or live in certain regions, you could be at greater risk for flooding or leaks. Not all homeowners insurance will cover the associated damages 

Before signing onto any insurance plan, it’s important that you fully understand what your policy covers. In many cases, there are stipulations that will either cover your home for foundation leaks or leave you ineligible. Empower yourself with a good team to know and prepare for these differences.

Keep reading to learn about home insurance claims, maneuvering the home insurance claim process, and how we can help.

The Factors Leading to the Damage

Insurance adjusters should look at the history of your foundation and if there were any reports of water seeping through. If there have been past issues of water leaking into your home, then you may not be eligible to make a home insurance claim for foundation leaks. Rest assured, TSO Adjustment Service will work for you to try and get your claim approved within the home insurance claim time limit.

Understanding the Coverage of Your Insurance

When the Foundation Repair is Covered

If your insurance policy includes foundation repair, then you’re likely to be approved if there is no history of water leaks. Check to make sure that your insurance policy covers foundation leaks as a named peril prior to making a claim. This will help you be proactively prepared.

Your home insurance claim should be covered if the water leaks are a result of the following:

• a leaky water heater (if proper maintenance has been performed)
• burst pipes (particularly because of freezing and thawing due to changing weather)
• broken appliances (i.e., your basement washer or refrigerator has broken - or the water line has - and causes a slow seep or flooded basement)
• overflowing fixtures (looks at overflowing tubs or showers)

In general, sudden and accidental water damage is what constitutes the coverage of your foundation leak insurance claim. Read more about water and smoke water damage.

When the Foundation Repair is not Covered

In many cases, home insurance won’t cover foundation leaks that are caused by sewage backups, groundwater seeping through cracks, and heavy rainwater. Make sure to consider these scenarios when choosing insurance. Speak to your insurance provider and review your policy to confirm if these events would be covered under your home insurance claims.

Filing a Claim Through a Public Adjuster

Public adjusters - like TSO Adjustment Service - are on your side. We fight for you and deal with your insurance broker, so you don’t have to. We understand that it can be confusing when looking at all the jargon and specificities that come with making a home insurance claim. We simplify and clarify these details for you.

When you procure a public adjuster’s services, your likelihood of an approved claim is greater. We will gather all the information needed to fight for you and will submit claims on your behalf. We have the tools and skills specific to the home insurance claim process and we love to win for our clients. 

Contact Us to Advocate for You!

TSO Adjustment Service prides itself in working hard to make sure that you get the insurance coverage and payouts you’re entitled to. There are many factors that can contribute to a home insurance claim process, and TSO Adjustment Service will make sure that you get what you deserve.

If you need to make any sort of insurance claim, contact TSO Adjustment Service at 215-886-7440 or book an appointment online. We will do everything we can to get you the insurance payout that you’re entitled to.