Does Homeowner’s Insurance Cover Foundation Issues?
When you buy a house, it’s exciting. Everything is new (or new to you), and the mortgage you just signed is becoming a reality.
Most homeowners are wise enough to research home insurance thoroughly to protect their investment.
When you start to notice warning signs of foundational issues, you may be wondering if these repairs are covered by the insurance you’ve already been paying.
Most home insurance policies cover catastrophic events, like explosions, fire, or water damage.
In most cases, normal soil movement and irrigation issues are not covered by homeowners insurance. That means that the sooner you identify and address a slab foundation repair, the more affordable those out-of-pocket costs will be.
As a house leveling company, we want to share a few preventative care ideas to prevent significant damage and keep down the cost of foundation maintenance:
Avoid Water Damage
To evade both slab repair and pier and beam repair issues, you have to prevent water damage caused by heavy rains, melting snow, broken water lines, etc. If you see water pooling around your home, you may need slab leveling soon.
Fill Minor Cracks as Your Find Them
Cracks in the floor, ceiling, or walls are some of the most common signs of foundation issues homeowners notice.
Filling these as they arise keeps them from widening when your house expands and contracts during temperature changes and could save you thousands in future repairs.
Prioritize Your Foundation Inspection
Your home’s foundation should be inspected twice a year to detect signs of foundation problems early.
Excessively watering the lawn around your home’s foundation could cause your East Texas foundation to sink and settle. Trees or shrubs you plant close to your slab foundation will result in roots that cause foundation issues in Texas.
It’s also wise to avoid clay soils when landscaping or preparing to lay your foundation. Clay soil is 40% water, and shifts over the years, leaving you with uneven floors and door frames.
Pay Attention to Plumbing
You should thoroughly inspect your plumbing system every year to ensure that plumbing leaks are not affecting the foundation of your home. Excess water under the house can cause your foundation to settle into the soil, causing structural damage.
Homeowners have to be aware of leaks that could be under the foundation and water pooling in walls or under their flooring.
Regularly Inspect the Crawl Space
Pier and beam foundation repairs include inspecting the crawl space left under the house.
It’s easy to see if you need pier and beam foundation leveling since you can track the soil’s height on where the post meets the wooden beam.
Schedule Foundation Repair
If you need a Texas foundation repair company that can do it all, we would love to take care of your home, from concrete leveling to installing shims.
For affordable foundation repair, call a Texas foundation expert at Lonestar Foundation for your free estimate.