Does Home Insurance cover Structural Problems? Protect Your Home From Structural Problems

Does home insurance cover structural problems? Structural problems are issues that affect the stability, strength, or integrity of your home’s foundation, walls, roof, floors, or other essential components.

Structural problems can be caused by various factors, such as natural disasters, water damage, termites, poor construction, or aging.

Depending on the severity and cause of the problem, structural damage can be costly and dangerous to repair.

If you have home insurance, you may wonder if your policy covers structural problems.

The answer is not straightforward, as different policies may have different terms and conditions regarding this type of coverage.

However, there are some general guidelines that can help you understand when and how home insurance covers structural problems.

An image of Home insurance
Home insurance image[PPHOTO COURTESY OF JUBILEE]

When Does Home Insurance Cover Structural Problems?

Home insurance policies generally do not cover structural problems, unless they are caused by a sudden, accidental event that is included in the policy.

Structural problems that are considered maintenance issues or result from gradual wear and tear are not covered.

However, some policies may have exceptions or riders for specific types of structural damage, such as earthquake damage.

Homeowners should check their policies and the definition of the home’s structure to see what is covered and what is not.

What are some common structural problems in homes

Cracks or bulging on walls and ceiling

These can indicate that the foundation, walls, roof, or floors are shifting, settling, or failing due to various causes, such as natural disasters, water damage, termites, poor construction, or aging.
Soil pulling away from house walls

This can be a sign of subsidence, which is the downward movement of the ground supporting the building. Subsidence can be caused by overgrown trees and shrubs, cracked drains, leaking rainwater goods, or expansive clay soil.

Cracks in chimney

These can be a sign of structural damage to the chimney itself or the roof structure. Cracks in chimney can be caused by earthquakes, high winds, lightning strikes, or poor installation.

image of wall crack

Uneven gaps on windows and doors

These can indicate that the house is not level or square due to foundation problems, sagging floors, or warped walls. Uneven gaps can also affect the insulation and ventilation of the house.

Sagging, sloping or cracking of floors

These can indicate that the floor joists or beams are rotted, broken, or overloaded due to water damage, termites, poor construction, or excessive weight. Sagging floors can also affect the plumbing and electrical systems of the house.

Sagging roof and roof leaks

These can indicate that the roof structure is damaged or deteriorated due to weathering, rotting, insect infestation, or improper installation.


Structural problems are serious issues that can affect the safety, value, and comfort of your home.

Home insurance may cover some structural problems, but not all. It is important to check your policy and understand what is covered and what is not.

You should also inspect your home regularly and look for signs of structural damage.

If you notice any structural problems, you should contact a professional contractor or engineer to assess and repair the damage as soon as possible.

READ MORE: Do I need insurance to sell cakes from home?

Leave a Comment