{"id":14353,"date":"2025-04-30T06:23:19","date_gmt":"2025-04-30T06:23:19","guid":{"rendered":"https:\/\/finderica.com\/?p=14353"},"modified":"2025-04-30T06:23:19","modified_gmt":"2025-04-30T06:23:19","slug":"does-a-home-warranty-cover-foundation-repair","status":"publish","type":"post","link":"https:\/\/finderica.com\/?p=14353","title":{"rendered":"Does a Home Warranty Cover Foundation Repair?"},"content":{"rendered":"
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No, home warranties generally don\u2019t cover foundation repairs. Home warranties tend to only cover major appliances and systems, such as dishwashers and <\/span>HVAC systems<\/span>, not structural elements. Because your home\u2019s foundation supports your house\u2019s weight against the soil to keep it from sinking or shifting, it’s considered a structural part of your house. <\/span><\/p>\n<\/div>\n

What if a covered appliance or system affects the foundation?<\/span><\/h2>\n
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Plumbing issues can contribute to foundation damage, and many <\/span>home warranties<\/span> cover the cost of plumbing repairs. However, most home warranty companies won\u2019t pay for secondary damage that results from a covered issue.<\/span><\/p>\n<\/div>\n

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For example, some home warranties cover sprinkler systems. Let’s say you have coverage for a sprinkler system and there’s a covered failure that damages your foundation. A home warranty is unlikely to pay to repair the foundation \u2014 it\u2019ll only pay to repair the irrigation system.<\/span><\/p>\n<\/div>\n

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SS’s Best Home Warranties<\/span><\/p>\n

Good coverage with affordable premiums<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n

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Does a builder\u2019s warranty cover foundation repairs?<\/span><\/h2>\n
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A builder\u2019s warranty \u2014 also called a structural warranty \u2014 corrects certain issues with or defects of a builder\u2019s materials or workmanship. The construction company or private builder often provides the warranty, and you usually only get a <\/span>builder\u2019s warranty<\/span> when you are the first occupant of a house.<\/span><\/p>\n<\/div>\n

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A builder\u2019s warranty can be for up to 10 years for structural defects and often covers certain foundation issues, such as soil movement and erosion. If you have a builder\u2019s warranty on your home and need a foundation repair, read your contract to see if the builder will pay for the repair.<\/span><\/p>\n<\/div>\n

Does homeowners insurance pay for foundation repairs?<\/span><\/h2>\n
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Most homeowners insurance policies are for unexpected and sudden events to structural parts of your home. These are often outside of the homeowner\u2019s control, such as tornado damage.<\/span><\/p>\n<\/div>\n

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The <\/span>cause of your foundation\u2019s damage<\/span> determines if a homeowners insurance policy will pay for repairs. Homeowners insurance usually kicks in when your home experiences a covered event, such as a natural disaster, a tree falling on your home, a flood resulting from a burst pipe or a fire. If your foundation damage is due to a covered event, your homeowners insurance policy might pay to repair it.<\/span><\/p>\n<\/div>\n

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\ud83e\udd13<\/span>Nerdy Tip<\/span><\/p>\n

Most homeowners insurance policies don\u2019t cover structural damage related to an <\/span>earthquake<\/span> or <\/span>flood<\/span>. For coverage related to these natural disasters, you\u2019ll likely need an additional policy.<\/span> <\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n

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If your foundation damage is caused by an issue that occurred over time, such as tree roots pushing against the structure or rotting floor joists, a homeowners insurance policy is unlikely to cover the cost of repairs. The same goes if you or a previous homeowner didn\u2019t perform proper maintenance to the foundation over the years, such as directing rainwater from your gutters away from your foundation.<\/span><\/p>\n<\/div>\n<\/div>\n

Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

No, home warranties generally don\u2019t cover foundation repairs. Home warranties tend to only cover major appliances and systems, such as dishwashers and HVAC systems, not structural elements. Because your home\u2019s foundation supports your house\u2019s weight against the soil to keep it from sinking or shifting, it’s considered a structural part of your house. What if<\/p>\n","protected":false},"author":1,"featured_media":14354,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[195],"tags":[425,1720,26,2653,3223],"class_list":{"0":"post-14353","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"tag-cover","9":"tag-foundation","10":"tag-home","11":"tag-repair","12":"tag-warranty"},"_links":{"self":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts\/14353","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=14353"}],"version-history":[{"count":0,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts\/14353\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/media\/14354"}],"wp:attachment":[{"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=14353"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=14353"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=14353"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}