In-Depth Foundation Inspections To Support Potential Claims
When you’re facing signs of foundation damage like cracks in your walls, uneven floors or doors that won’t shut right, your first question is often: “How much is this going to cost?” The second: “Will homeowners’ insurance cover foundation repairs?”
At G.L. Hunt Foundation Repair, we believe in giving honest answers and providing reliable services for Texas property owners in Austin, the Dallas-Fort Worth area and beyond. Here’s a breakdown of how insurance plays a role in foundation repair costs and when you might qualify for coverage.
Will Homeowners Insurance Cover Foundation Repair?
In short, it depends on the cause of your foundation problem.
Most standard homeowners’ insurance policies in Texas and surrounding areas do not cover foundation issues caused by soil movement, natural settling or poor drainage. These symptoms are among the most common causes in places like San Antonio, Fort Worth and Austin.
However, coverage may apply if the damage is the result of a plumbing leak under the foundation or a sudden, accidental water discharge (like a burst pipe). If your foundation crack was caused by a slab leak or another insurable event, there’s a good chance you can file a claim.
Will Homeowners Insurance Cover A Cracked Foundation?
The cause of the crack is what matters most to your insurer. Cracks due to an insurable incident, like a burst pipe, are often covered. However, cracks caused by seasonal soil expansion or long-term drainage problems usually aren’t covered.
At G.L. Hunt, we perform detailed inspections to help determine the root cause of your foundation issues. If it appears tied to an insurable event per your insurance policy, we can document those findings to support your claim.
What Foundation Repairs Does Insurance Typically Cover?
When insurance kicks in, it generally covers the cost to repair the damaged part of your home and restore it to its original condition, not necessarily to upgrade or prevent future damage.
Insurance policies may help with:
- Under-slab plumbing leak repairs
- Tunneling or excavation related to plumbing access
- Interior damage caused by foundation shifts (cracked drywall, flooring)
Costs that are usually not covered:
- Installing piers or pilings for ongoing settlement
- Drainage correction
- Soil stabilization or grading
Homeowners Insurance Foundation Repair Process: What To Expect
- Get a foundation inspection — Contact G.L. Hunt for a detailed evaluation.
- File a claim (if applicable) — If we identify an insurable cause, you can initiate your claim with your insurer.
- Provide documentation — We’ll provide what you need for a report, including repair estimates.
- Insurance approval and repairs — Once approved, we coordinate with your adjuster and get to work.
Choose G.L. Hunt For Detailed Foundation Evaluations
Insurance companies often require clear proof that foundation damage stems from a covered peril. At G.L. Hunt, we know exactly how to document our findings to help you build a stronger case. We’re not just here to fix your foundation. We’re here to support you through the entire process, from the initial evaluation to the final foundation repair.
We’ve been repairing foundations across Texas for decades. G.L. Hunt has worked with countless homeowners through their repair processes. Whether it’s a pier and beam issue in Dallas or a cracked slab in San Antonio, our team knows how to evaluate the damage, guide you through the repair process and provide lasting solutions for structural support. Let our experience work in your favor.
Talk To A Foundation Expert Today
Still wondering if homeowners’ insurance covers foundation repair in your case? The best way to find out is to start with an inspection from G.L. Hunt Foundation Repair. We’ll assess the damage, pinpoint the cause and help you understand your repair options.
We’re here to help you protect your home from the ground up. Reach out to our team to schedule an inspection from our specialists.
