When Insurance Does Not Help Foundation Damage?
When there are foundation cracks one of the questions that pops is about the insurance. If the damage is grave and significant and not a cosmetic issue it should be repaired by professionals. In OKC, Ramjack works being a foundation repair company. We have long years of expertise in this field. We know the insurance protects the house against any kind of disaster damage. But when this is foundation, insurance might not cover it up. In this article, we will discuss when insurance helps protect a house foundation.
The Normal Factors
In a few cases, the foundation cracks are responsible for home settling. Moreover, climate changes like drought are also responsible for shifting. A professional can only determine if your home foundation needs repair.
The Insurance Policy
Review the insurance policy of the home. Check if the provider covers the foundation cracks coming from explosions, fires, plumbing error or natural disaster. There are policies that cover the reconstruction after this kind of problem. If that is not covered make changes to the policy for the highest protection.
Regular Maintenance
If the insurance does not cover the wears and tears of a home, you should follow regular upkeep. Do not simply paint the foundation. It will only hide the problem instead of repairing it. The cracks significantly damage the house and it happens because of improper drainage, intrusion of tree roots, wrong ground preparation and more.
When Insurance Does Not Cover Damage
The policies generally do not cover damage by earthquake and flood. If there is foundation damage coming from these disasters, you will need separate insurance for the same.
The insurance policy also does not cover general wear and tear. The gradual shifting may cause cracks in the home structure. It also does not cover painting a wall, gutter cleaning, etc.
Wrong Drainage
The poor drainage system causes wet and dry spots behind the house. The wet spots push and the dry spots shrink. This is known as differential movement and it is supposed to affect the foundation. Make sure that the water goes away from the house. The ground must be sloped away from the house not to the house. Update the drainage system as it will prevent water and moisture damage and will keep the water level uniform.
Tree Roots
Tree root intrusion pushes the house against the structure. It drains the water in amount beneath the house and it will make a severe change to the moisture level causing serious damage.
Changes in Temperature
Shifting temperature from hot to cold will cause water molecules present in the soil to expand and shrink. With time it will gradually damage the foundation.
At Ramjack by American Leveling, we cover any kind of foundation damage. We know the value of the home depends on the concrete and foundation quality. We have a specialty foundation service in OKC. For more options and details, see us today.