When you discover signs of foundation damage, one of the first questions you may ask is, "Will my insurance cover the repair?" The answer is often complex and depends on the cause of the damage. While your home insurance policy may offer some protection, it’s crucial to understand what is typically covered and how to navigate the claims process. At Ironmen Building Movers, we can help you with the professional assessment needed to secure the stability of your home.
Foundation Repair and Insurance Coverage: Understanding Coverage and Claims Processes
Differentiating Between Covered and Non-Covered Damage
Most standard homeowners’ insurance policies only cover sudden and accidental damage. This can include damage caused by an abrupt event like a plumbing leak or a fire. However, issues that arise from natural settling, soil expansion and contraction, or general wear and tear are typically not covered. Understanding this distinction is key to knowing whether you have a viable claim.
The Claims Process: What to Expect
If you believe your damage is covered, the claims process begins with notifying your insurance provider. An adjuster will be sent to inspect the damage and determine the cause. During this phase, providing comprehensive documentation, including photos, is essential. Be prepared to explain the timeline of events and the signs you’ve observed to help the adjuster make an accurate assessment.
The Role of Professional Assessment
Having an expert foundation repair company like Ironmen provide a professional assessment can be invaluable. Our detailed reports can help substantiate the cause of the damage, providing your insurance company with the information they need to evaluate your claim. A clear, professional report can make all the difference, especially when the cause is not immediately obvious.
Navigating Denied Claims
If your claim is denied, you have options. You can request a second opinion from another professional and submit their report to your insurance company as part of an appeal. A detailed report from a trusted expert can provide new evidence to support your case and potentially lead to a reversal of the denial.
Dealing with foundation damage and insurance claims can be a stressful process. By understanding what your policy covers and partnering with an experienced professional, you can increase your chances of a successful claim and ensure your home’s long-term stability. Contact Ironmen Building Movers today for an expert foundation inspection and quality repair services.