Does homeowners insurance cover foundation repair?

Usually not for settling, cracking or soil movement. It may for damage caused by a covered sudden event, depending on the policy and state.

Is a plumbing leak under the slab covered?

Sometimes. In Texas, for example, foundation coverage is an optional endorsement. Read your policy and ask your agent in writing.

What should I do before filing a claim?

Photograph everything, keep damaged parts, report promptly and get an independent engineer’s written cause.

Does flood insurance cover foundation damage?

The NFIP policy covers some flood damage but excludes earth movement, even when flood caused it.

Foundation Insurance Coverage Checker: Cause First

Why cause decides coverage

Exclusions are written by cause. Policies list perils covered and causes excluded, such as earth movement, settling and flood. The same crack can be covered or not depending on what made it.

Flood and earthquake are separate. NAIC notes a typical homeowners policy does not cover them. The NFIP flood policy itself excludes earth movement.

Some states add rules. Florida has sinkhole coverage law, Texas lists foundation coverage as an endorsement, and Pennsylvania runs a mine subsidence insurance program. Read more in does insurance cover foundation repair.

Questions this calculator answers

Does homeowners insurance cover foundation repair?: Usually not for settling, cracking or soil movement. It may for damage caused by a covered sudden event, depending on the policy and state.
Is a plumbing leak under the slab covered?: Sometimes. In Texas, for example, foundation coverage is an optional endorsement. Read your policy and ask your agent in writing.
What should I do before filing a claim?: Photograph everything, keep damaged parts, report promptly and get an independent engineer’s written cause.
Does flood insurance cover foundation damage?: The NFIP policy covers some flood damage but excludes earth movement, even when flood caused it.

Sources and methodology

Figures dated 26 October 2026. Last reviewed August 16, 2026.

Homeowners insurance consumer guide: earthquake and flood are not covered by a typical policy (National Association of Insurance Commissioners, retrieved 2026-10-26)
Home insurance guide: foundation and slab coverage as an optional endorsement (Texas Department of Insurance, retrieved 2026-10-26)
Standard Flood Insurance Policy, Dwelling Form, 44 CFR Part 61 Appendix A(1): earth movement exclusion and basement limits (Federal Emergency Management Agency, via eCFR, retrieved 2026-10-26)
Fla. Stat. §627.706: sinkhole and catastrophic ground cover collapse coverage (The Florida Senate, retrieved 2026-10-26)
Mine Subsidence Insurance (Pennsylvania Department of Environmental Protection, retrieved 2026-10-26)

Does insurance cover it? The full guide.
Do I need a structural engineer The report an adjuster reads.
Foundation warranties The other protection sold.

Find a Foundation Professional Back to the homepage

Foundation insurance coverage checker