Does homeowner insurance cover structural damage to your house?

Answer 1

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.