Does Homeowners Insurance Cover Bowing Basement Walls

By | January 10, 2024

Does Homeowners Insurance Cover Bowing Basement Walls?

Homeowners insurance typically includes coverage for sudden and accidental damage to your home. This can include things like fire, theft, and vandalism. However, there are some types of damage that are specifically excluded from coverage, and one of those is damage caused by foundation problems. Bowing basement walls are a common foundation problem that can cause extensive damage to your home. Bowing walls are caused by a variety of factors, including hydrostatic pressure, soil movement, and poor construction. When the walls of your basement start to bow, it can create cracks in the foundation, which can lead to water leaks, mold growth, and structural damage. ## Does homeowners insurance cover bowing basement walls? In general, the answer is no. Most homeowners insurance policies do not cover damage caused by foundation problems, including bowing basement walls. This is because foundation problems are considered to be a maintenance issue, and not a sudden and accidental event. However, there are some exceptions to this rule. If your bowing basement walls are caused by a covered peril, such as a flood or a sinkhole, then your homeowners insurance may help you pay for repairs. For example, if a flood causes the soil around your home to shift, this could put pressure on your foundation and cause the walls to bow. In this case, your homeowners insurance may cover the cost of repairing the damage to your foundation. ## What to do if you have bowing basement walls If you have bowing basement walls, it is important to contact a qualified foundation repair contractor as soon as possible. Foundation problems can worsen over time, and the longer you wait to repair them, the more damage they can cause. The cost of repairing bowing basement walls can vary depending on the severity of the damage and the type of repair that is needed. However, the average cost of foundation repair is between $3,000 and $10,000. ## How to prevent bowing basement walls The best way to prevent bowing basement walls is to take steps to protect your foundation from water damage. This includes: * Properly grading the soil around your home so that water drains away from the foundation. * Installing gutters and downspouts to divert water away from your home. * Keeping your sump pump in good working order. * Waterproofing your basement. ### Conclusion Bowing basement walls are a serious problem that can cause extensive damage to your home. If you have bowing basement walls, it is important to contact a qualified foundation repair contractor as soon as possible. Most homeowners insurance policies do not cover damage caused by foundation problems, but there are some exceptions.


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