We get this question every week: 'Will my insurance pay for foundation repair?' The honest answer is usually no — but there are exceptions worth knowing.
What's almost always excluded
Settlement, soil movement, expansive clay heave, gradual seepage, and poor drainage. These are considered maintenance issues, not sudden events.
What may be covered
Sudden, accidental damage from a covered peril. Examples: a burst supply line under the slab that washes out soil, a vehicle hitting your home, or a tree falling on the foundation.
How to document a potential claim
Take photos immediately, save plumbing repair invoices, and don't start repairs until the adjuster has inspected. We provide engineering letters and photo documentation that strengthens claims.
When the claim won't go through
Don't waste time fighting a clearly excluded claim. Most foundation work in Alabama is paid out of pocket — which is why we offer 0% financing on most projects.
Get a real estimate first
Whether or not insurance is involved, start with a free written inspection. You need to know the scope before you have any conversation with an adjuster.
Have foundation questions about your home?
Free written inspections across Huntsville, Madison, Decatur, and all of North Alabama.
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