Cracks appearing?
Are Foundation Cracks Covered by Home Insurance?
Foundation cover depends on cause — settlement is excluded, sudden events may be covered. Check your wording in 60 seconds.
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The short answer
Foundation damage from gradual settlement, soil movement, or poor construction is excluded across nearly every home policy. Damage from a sudden covered event (plumbing leak undermining the slab, vehicle impact, explosion) may be paid.
Earth movement gap
Earthquakes, sinkholes, and landslides need separate endorsements or policies in most regions.
Frequently asked
- What about subsidence?
- In the US, soil-related subsidence is generally excluded. In some markets, sinkhole cover is a paid add-on.
- How do I prove it was sudden?
- Photos with timestamps, neighbor witness statements, and a structural engineer report dated near the event.
Your policy is the only source of truth
Stop guessing. Check your actual policy.
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.