Drought

Droughts, Insurance and Your Home’s Foundation

Anybody living in the southeast is well aware of the drought that we have been going through.

Unbeknownst to some, these droughts can cause immeasurable and very costly damage to your home’s foundation.

But, you have home insurance, so you should be fine, right?

This is where it gets tricky.

Homeowner’s insurance is a form of coverage that is intended to protect the structure, property and contents of your home.  If you look at your policy, most will be worded or designed to protect you and your home from “sudden and accidental” losses, such as fire, theft or wind damage.

So, because of its very nature, structural foundation damage caused by changes in soil conditions (like those from a drought) probably won’t be covered under your homeowner’s insurance.

Much like dented siding or faded hardwood floors, an aging foundation is something for the homeowner to address as part of the routine maintenance that goes along with buying property.

When accessing your foundation, here are some signs to look out for:

  • Plumbing leaks
  • Cracks in sheet rock and walls
  • Cracks in brick work
  • Sloping or cracking floors
  • Doors or windows that won’t open or are jamming
  • Window frame separation
  • Uneven doors/floors

If you’re interested in a quote for wind, flood, or other incidents that could lead to foundation problems call 334 263 5535 or click here for more information.

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