Does Insurance Cover Bowing Basement Walls

By | January 8, 2024

Does Insurance Cover Bowing Basement Walls?

Does Insurance Cover Bowing Basement Walls?

Bowing basement walls are a common problem for homeowners, and they can be a major source of stress and anxiety. If you're dealing with this issue, you may be wondering if your insurance will cover the cost of repairs.

What is Bowing Basement Walls?

Bowing basement walls are a condition in which the walls of your basement start to bulge inward. This can be caused by a number of factors, including:

  • Hydrostatic pressure from the soil outside your home
  • Poor drainage
  • Foundation problems
  • Does Insurance Cover Bowing Basement Walls?

    The answer to this question depends on your specific insurance policy. Most homeowners insurance policies will cover the cost of repairing bowing basement walls if the damage is caused by a covered peril, such as:

  • A sudden and accidental event, such as a flood or a fire
  • A natural disaster, such as an earthquake or a tornado
  • However, some insurance policies may exclude coverage for bowing basement walls that are caused by:

  • Ground movement, such as settling or shifting
  • Water damage that is not caused by a covered peril
  • Structural defects that existed when you purchased your home
  • How to File an Insurance Claim for Bowing Basement Walls

    If you think that your insurance policy may cover the cost of repairing your bowing basement walls, you should file a claim as soon as possible. Here are the steps you need to take:

  • Contact your insurance company and explain the problem.
  • Provide your insurance company with photos and documentation of the damage.
  • Get an estimate for the cost of repairs from a qualified contractor.
  • Submit your claim to your insurance company.
  • What to Do if Your Insurance Claim is Denied

    If your insurance claim is denied, you have a few options:

  • You can appeal the decision with your insurance company.
  • You can file a complaint with your state's insurance department.
  • You can hire an attorney to represent you.
  • Conclusion

    If you're dealing with bowing basement walls, it's important to take action as soon as possible. The sooner you start the repair process, the less damage your home will sustain. And if you have insurance, you may be able to get the cost of repairs covered.


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