Does home insurance cover foundation problems?

Answer 1

Never, foundation always excluded from policy, to much of a risk for insurance companies to cover foundation.

AnswerFoundations, even concrete ones do move and settle continually for the life of a structure. It's generally expected and normal and is not considered a structural problem for most.

Coverage for Ground Movement is readily available in California and certain other markets where earthquakes are common. Although typically excluded elsewhere, the coverage can still be added by endorsement to a homeowners insurance policy in most parts of the U.S. by those companies who offer it.

Coverage for foundation damage that is the result of poor construction is generally not covered. Build quality issues are addressed by the builder.