Does homeowners insurance cover concrete wall failure?

Answer 1

It depends on the purpose of the concrete wall and why it is failing.

Your homeowners policy provides coverage for damage for sudden losses resulting from the specified perils, usually such things as wind hail fire etc. If the concrete wall is one of the walls of your house and failed due to a covered peril then you can expect coverage.

Damage resulting from earth movement and settling is typically not covered under a homeowners policy because it is considered the result of normal expected wear and tear or natural movement.

Most concrete structures such as landscaping, sidewalks, driveways, patios and aesthetic walls on a property are not covered under your homeowners policy. Likewise retaining walls are part of the land scaping and are typically not covered without a specific endorsement and an additional premium prior to the loss.