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California Insurance Blog

Does home insurance cover structural damage of my home?

Damage to the structure or foundation of your house can be expensive to repair, but it is essential for the continued use and safety of your property. Although there are situations that may be covered by your home insurance policy, the details and the cause of the damage can play a role in determining if you have coverage for the repairs.

Earthquakes and Floods

In general, home insurance policies will not have any coverage for earthquakes or floods in the basic policy. If the structure of the house was damaged during a flood or an earthquake, then you may not have coverage.

Although the basic plan does not include coverage for the situations, you may be able to add coverage so that the perils are handled. There are additional coverage options available through many insurers and you may have separate policies available if you are not comfortable working with the same provider.

Storms, Fires and Covered Perils

Whenever damages are caused by a peril that is specifically covered in your policy, you may be able to make a claim on your insurance. Many insurers offer coverage for certain situations and will pay for the repairs after you have paid the deductible as long as the cause was related to the situation.

Keep in mind that the extent of the damages can impact your options. If the cost of repairs is greater than the value of the house, then your insurer may only pay up to the value of the property.

There are a variety of situations that can arise and the damages to the structure of your house can impact your options. If you want to learn more about protecting your house from potential risks, then contact us to talk to an agent for more information today.

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