Around 93% of homeowners in the U.S. have an active homeowner’s insurance policy. The vast majority of claims each year relate to property damage, but what about structural problems?

Structural problems in a home can be a homeowner’s worst nightmare. Cracks in the foundation, damaged roof, or faulty support beams can lead to costly repairs.

This raises an essential question: Does home insurance cover structural problems? Let’s explore this topic to better understand the scope of coverage and how to protect our homes.

When Structural Damage Is Covered

Home insurance can provide coverage for structural damage to your property under certain circumstances. The key factor determining coverage is the cause of the damage.

Generally, home insurance policies cover structural damage caused by sudden and accidental events. These are also known as “perils.” Here are some examples of when structural damage is covered:

Weather-related events
Fire and smoke damage
Burst pipes and water damage
Vandalism and theft

It is important to read the policy carefully to understand specific inclusions and exclusions.

When Structural Damage Is Not Covered

While home insurance provides essential protection, there are instances where it generally does not cover structural damage. These situations usually involve damage resulting from gradual wear and tear or maintenance issues. Let’s highlight some examples of when structural damage is not covered.

Home insurance is not designed to cover the natural aging and deterioration of your home’s structure. These include cracks due to settling over time. This is known as normal wear and tear.

Neglecting regular maintenance, such as failing to fix a leaky roof, could also result in denied coverage for any resulting structural damage.

Standard home insurance policies also generally exclude damage caused by earthquakes and floods. For homeowners in high-risk areas, it may be necessary to buy extra insurance coverage for these perils.

How to Prevent Structural Damage

Preventing structural damage is vital for the safety and longevity of your home. Regular inspections are crucial to catch minor issues before they become big problems.

Timely repairs, like fixing cracks or leaks, can help avoid more significant damage. Furthermore, ensuring proper drainage around your home prevents water from damaging the foundation. Pruning trees also reduces the risk of falling branches during storms.

If you live in a high-risk area, consider getting extra coverage for earthquakes or floods. By taking these simple steps, you can protect your home and save on costly repairs in the long run.