Are Structural Repairs Covered by Homeowners Insurance?

Structural damage to a building can be a major problem, but it’s important to understand whether or not homeowners insurance covers it. Homeowners insurance policies vary greatly, so read the fine print of the policy to understand what is and isn’t covered. In this article, we’ll take a look at structural damage, whether or not homeowners insurance covers it, and how to fix it.

What Is Structural Damage?

Structural damage is damage to a building’s frame or foundation that can put the building at risk of collapse or other issues. This can include things like cracks in the foundation, water damage, and other issues that can weaken the building and make it unsafe. It’s important to understand the potential risks of structural damage, as it can be an expensive repair and can lead to other serious issues if not addressed.

In some cases, structural damage is caused by natural disasters like floods, earthquakes, and other events. In other cases, it can be caused by human error, such as improper construction or not properly maintaining the building. In either case, you must address the issue quickly and take the necessary steps to repair the damage.

Does Home Insurance Cover Structural Problems?

It depends on the type of homeowners insurance policy you have. Generally, most homeowners insurance policies will cover structural damage caused by natural disasters like floods, storms, and earthquakes. However, they will not cover structural damage caused by human error, such as improper construction or lack of maintenance.

If your policy covers structural repairs for a limited amount, you may consider purchasing additional coverage for structural damage, as it can protect you in case of a major issue.

What Should You Do If Your Home Structure Is Damaged?

If you find that you have structural damage to your home, call a professional to determine the extent of the damage and what needs to be done to repair it. The cost of repairs can vary greatly, depending on the type and extent of the damage.

In some cases, the repairs may be relatively simple and minor. In other cases, more extensive structural repairs may be needed, such as replacing a wall or foundation. You must understand the extent of the damage and the cost of the repairs before taking any action.

Once you have a plan for the repairs, hire a professional to do the work. They will make sure that the repairs are done correctly and that the structure is safe. Also, make sure that any new construction follows building codes and is up to local standards.

Choose the Right Homeowners Insurance Coverage

Homeowners insurance is important to protect yourself from unexpected events and resulting damages and losses, so make sure you have the coverage you need. Before you purchase a policy, consider the size, age, and construction type of your home, the contents that need to be covered, and detached structures. This will help you decide whether a standard home insurance policy is enough or whether you may need to purchase additional coverage.

Protect Your Home and Its Contents with Lou Aggetta

At Lou Aggetta, we understand the importance of having the right home insurance coverage. That’s why we offer a wide range of coverage options, so you can be sure to find the best policy for your home. Our team of experienced agents can create customized homeowners insurance policies for your needs.  Contact us today to learn more about our homeowners insurance coverage options.