No. Unless the foundation problem happened because of an earthquake or flood (and you have insurance to cover both catastrophic events), then your insurance will not cover something that has degenerated with time.
Home policies include this coverage. These are necessary repairs for a large or total loss. I never have known for this to be excluded.
"Flood Insurance" will cover damage resulting from a Flood. Homeowners Insurance will not.
Most home warranties do not cover foundation issues or repairs, as these are typically considered structural problems. Home warranties generally cover systems and appliances, such as plumbing, electrical, and HVAC, but foundation repairs often fall outside their scope. However, it's essential to review the specific terms of a home warranty policy, as coverage can vary by provider. For foundation issues, homeowners may need to look into separate homeowners insurance or specialized foundation repair insurance.
No. Movement of earth is specifically excluded by homeowners insurance. This is the fault of the builder for not compacting the earth properly and providing the proper foundation. Home insurance was not made to cover such.
wear and tear, deterioration is not covered
Repairs are maintenance and homeowners insurance is not intended to cover maintenance of your home. This is up to you to maintain your home. Insurance is made to cover sudden and accidental damage of a major cause such as fire, windstorm, lightening, and like causes.
Yup.
Most homeowners insurance policies cover repairs caused by storm damage, however you will have to check your policy to be certain. Usually, you will have a fixed amount of time to claim damages.
No, that is a maintenance issue. Insurance companies don't pay for maintenance on your house.
Typically, standard homeowners insurance policies do not cover damage to a foundation caused by earthquakes. You would need to purchase a separate earthquake insurance policy or rider to have coverage for this type of damage.
No, your homeowners insurance does not cover AC maintenance issues. however, depending on the type of policy you purchased, it may cover resulting structural damage after you have completed the necessary repairs to your AC system.
No unless the foundation crack was caused by something like an earthquake. Normal wear and tear is not covered.