Do You Have a Cracked Wall? Want To Know If Home Insurance Covers Cracked Walls?

Cracked walls are a common problem for homeowners, but not all cracks are the same.

Home Insurance Covers Cracked Walls?
Home Insurance Covers Cracked Walls?

Some are harmless and easy to fix, while others may indicate serious structural damage that requires professional attention.

The question is, does home insurance cover cracked walls, and if so, under what circumstances?

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Types and Causes of Cracked Walls

Cracks in walls can appear for various reasons, such as:

Wear and tear

It’s normal for a house to settle over time, and this minor movement can lead to small cracks, especially above doors and windows.

These are often due to ground shifts and changes in the weather.


The wood used in your home’s construction may have contained moisture.

As this wood dries out over time, it can shrink slightly, leading to small cracks in the walls.

A leak can also cause water damage, which can weaken the drywall and cause it to crack.

Foundation damage

Large cracks that are over 25mm wide could be a sign of serious foundation issues, such as subsidence or heave.

These types of cracks often require the expertise of a builder or an engineer.

Home Insurance Coverage for Cracked Walls

Whether your home insurance will cover cracked walls depends on the cause and the extent of the damage.

Generally, home insurance covers sudden and accidental events that damage your home, such as fire, storm, theft, or vandalism.

However, it does not cover gradual deterioration, wear and tear, or neglect.

Therefore, if your cracked walls are due to natural settlement, lintel failure, or thermal movement, you will likely have to pay for the repairs yourself, as these are considered normal maintenance issues.

However, if your cracked walls are due to subsidence, heave, or landslip, you may be able to claim on your home insurance, as these are usually covered perils.

However, there are some conditions and exclusions that may apply.

For example, you may have to pay a higher excess for subsidence claims, or you may have a limit on how much you can claim.

You may also have to prove that the damage was not caused by your own negligence, such as poor drainage or faulty construction.

Additionally, you may not be covered if your home has a history of subsidence or if you live in a high-risk area.

How to Deal with Cracked Walls

If you notice cracks in your walls, you should take the following steps:

How to Deal with Cracked Walls

1.Assess the severity

Measure the width and length of the cracks, and check if they are getting bigger over time.

Look for other signs of structural damage, such as doors or windows that stick, floors that slope, or gaps around the skirting boards.

2.Identify the cause

Try to determine what caused the cracks, such as moisture, settlement, or foundation problems.

You may need to consult a professional if you are unsure or if the cracks are severe.

3.Contact your insurer

If you think your cracked walls are covered by your home insurance, you should contact your insurer as soon as possible.

They will send an assessor to inspect the damage and determine if you have a valid claim. They may also arrange for the repairs or reimburse you for the costs.

4.Fix the cracks

Depending on the cause and severity of the cracks, you may need to hire a contractor, a builder, or an engineer to fix them.

They may use methods such as filling, re-pointing, underpinning, or rebuilding to restore the integrity of your walls.


Cracked walls can be a minor nuisance or a major headache, depending on the cause and extent of the damage.

Home insurance may cover cracked walls if they are caused by subsidence, heave, or landslip, but not if they are due to wear and tear, moisture, or neglect.

Therefore, it’s important to assess the severity of the cracks, identify the cause, contact your insurer, and fix the cracks as soon as possible.


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