Does homeowners insurance cover a bad slab?

Updated: 9/18/2023
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13y ago

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What is bad? Insurance coverage is based on cause or reason. In order to properly answer the question one would need to know why the slab is bad. Why? If a big rig truck ran off the road and into the side of the house and damaged the slab this would be a covered claim. Your homeowners insurance covers claims where a vehicle strikes the house.

Did ground water flooding damage the slab? If so you would need flood insurance. No homeowners covers flood. Flood is flood and is insurance offered by FEMA. You don't get flood coverage under homeowners policies.

Is the slab bad because the work done to build it was poor? There is no coverage to repair the slab but if the slab being bad caused ensuing damage there may be coverage for ensuing damage.

Has the slab just started cracking because no expansion joints were put in the concrete? This is really not a sudden an accidental event. In fact it is normal and thus not something homeowners insurance covers.

Need to know why slab is bad to get you a better answer. Tried to answer giving a few different options.

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Q: Does homeowners insurance cover a bad slab?
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