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Read your policy, it will tell you what is covered. Typically it should cover such damage if caused by accident.
You do not say what the structural damage is. Homeowner policies will state the damage must be ''sudden and accidental'' and not ''gradual deterioration.'' These policies are so hard to read and understand. Would probably be a good idea to turn the claim in and get an answer, especially before it gets any worse. If you would like to explain the exact damage and cause perhaps I can be of more assistance to you.
What else can I help you with?
Does homeowner insurance cover structural damage?
Yes. Your homeowners insurance policy typically provides coverage for your homes structure from losses ensuing from the perils defined.
Does homeowner insurance cover fire damage to home?
Yes!
Will homeowner's insurance cover the damage if you back into your guest's vehicle in your yard?
No
Does homeowner's insurance cover damage done by renters?
Homeowners insurance No. But a landlords Dwelling Policy yes.
Will homeowners insurance cover replacement windows that sagged due to settling?
Settling of earth is not a covered cause of damage. For this reason, the homeowner's insurance will not cover replacement of the windows. This is a maintenance issue that is your responsibility as the homeowner. Maintenance is never covered by the homeowner's insurance. Sorry.
Does homeowner insurance cover damage from a tree falling on an automobile?
No. Comprehensive coverage on the auto does that.
Can your home owners insurance cover structural damage in your home?
Depends on the specific insurance and the type of structural damage. The question is to vague to be answered adequately here.
Does homeowner's insurance cover non-flood damage for water in basements?
Homeowner's insurance is a very important essential if someone owns a home. This insurance does not cover non-flood damage for water in the basement, though. It only covers flood damage or loss of valuables. http://wiki.answers.com/Q/What_does_homeowners_insurance_cover
Does homeowner insurance cover damage to aluminum siding?
Yes, as long as it was a covered loss. 4lifeguild
Does homeowners cover water damage from a leaky roof?
In most states, homeowner's insurance does not cover water damage from a leaky roof. Water damage is generally covered under a separate policy called flood insurance.
Does homeowner's insurance cover a damaged bathroom wall?
Depends on the cause of damage. Need to be more specific to get an answer.
Does dwelling insurance cover damage from animals?
No, the standard homeowner's policy has a specific exclusion for damage due to 'vermin', i.e. animals.
