Groupe Fissure Expert

  • Fissure Expert franchises
  • Foundation Crack Expert Group repair training courses
  • MAGASIN_EN_LIGNE
  • Client testimonials
  • Blog
  • Home
  • Services
    • Interior foundation crack repair
    • Cracks in a window corner
    • Concrete floor crack repair
    • Concrete joint or cold joint repair
    • Concrete repair for holes and honeycombs
    • Concrete foundation sealing – Water infiltration through a formwork rod
    • Elevator pit repair and maintenance
    • Concrete pool repair service
  • Helpful information
    • Cracked foundation inspection
    • Crack injection repair: Which technique to choose
    • Cracks: Epoxy or flexible polyurethane injection
    • Water infiltration: Perform the water ingress test
    • Concrete block or precast concrete foundation
  • Free quote
  • Contact
  • Blog
    • Video
  • English
  • French
SOUMISSIONGRATUITE
cliquer ici
Thursday, 22 June 2017 / Published in Blog

Are foundation cracks covered by your home insurance?

You notice cracks in your foundation after a careful inspection. You would like to get them repaired, but you aren’t sure if this will be covered by your home insurance.

Here is some information on the topic.

Home insurance: different for everyone

Home insurance is essential when you own a house or a building. Knowing that it will protect your property and real estate investments in the event of a claim can give you peace of mind. Since it is drawn up based on your situation and your home, each insurance policy is different, so you need to fully understand the terms and conditions of the contract you entered into.

Generally, an insurer will offer two possible policy forms: “Named perils” covers only the perils specified, and “Comprehensive” covers all perils except certain exclusions.

A crack as a consequence

Floor cracks can be a symptom of a serious home stability problem and lead to unfortunate situations. Knowing the cause of the crack is crucial for determining the right repair methods and whether repairs are covered by your insurance.

Soil movements

Soil subsidence and changes in its composition can deteriorate your foundations, but the majority of home insurance policies will not cover this type of damage. Some cities in Quebec, such as Montreal, offer financial assistance to residents in at-risk areas to cover part of the costs.

Natural disasters

Natural disasters can cause cracks and, contrary to popular belief, the damages caused by these disasters (tornado, hail or wind storm) are covered by insurance. Earthquake related damages can also be added to your insurance coverage. On the other hand, flood related damages due to river overflow are rarely covered.

Be vigilant and contact your broker to ensure that you are adequately protected.

A crack leads to water infiltration: is this covered?

Foundation cracks increase risks of water infiltration and the resulting damages are the main claim. While most insurance policies cover damages caused by a broken pipe or faucet, they rarely do for water from outside the home.

It is possible to add a specific protection to your insurance policy to cover damages caused by water leaks from a foundation in poor condition.

In conclusion

There are different types of home insurance policies, so it is important to choose one that fits your needs. Your insurer will be able to answer your doubts or questions and offer you the coverage you need, while helping you avoid unfortunate situations.

A cracked foundation should never be taken lightly, whether it causes aesthetic or structural issues. The faster repairs are done, the less expensive they will be, especially considering that damages caused by a neglected crack will unlikely be covered by your insurance.

Do not hesitate to contact our team of specialists, who will inspect your cracks and identify the causes quickly.

What you can read next

What are the different resins used to repair concrete foundation cracks?
traiter-le-salpetre
What is the danger of saltpeter?
How to analyze different types of foundation cracks

Les articles les plus récents

  • probleme de fondation

    Common signs that your home is at risk of foundation problems

    Foundation problems are among the main factors ...
  • When to treat cracks in its foundations?

    Repairing the foundation is a very important ta...
  • Water infiltration in your building: what to do to remedy it?

    When your building has water infiltration, it i...
  • How to Repair a Crack in a Concrete Foundation?

    Concrete foundations are the cement that holds ...
  • How to repair a crack in concrete floor?

    A concrete floor is one of the most popular flo...

Contact

 

  • Amos
  • Rouyn-Noranda
  • Senneterre
  • Val d'Or

  • Gatineau

  • Île-Perrot
  • Saint-Lazare
  • Vaudreuil-Dorion

  • Beauharnois
  • Ormstown
  • Salaberry-de-Valleyfield

  • Blainville
  • Laval
  • Mont-Tremblant
  • Mont-Laurier
  • Repentigny
  • Saint-Eustache
  • Saint-Jérome
  • Terrebonne

  • Anjou  (secteur est)
  • Rosemont  (St-Léonard - Rosemont)
  • St-laurent  (St-Laurent - Ahuntsic)
  • Lasalle  (Lasalle - Lachine - Verdun - Île des Soeurs)
  • Pointe-Claire  (Dorval a Baie d'Urfé)

  • Beloeil
  • Boucherville
  • Brossard
  • Chambly
  • Longueuil
  • Saint-Constant
  • Saint-Hubert
  • Saint-Jean-sur-Richelieu
  • Sainte-Julie

  • Granby
  • Saint-Hyacinthe

  • Joliette
  • Repentigny

  • Sherbrooke

  • Drummondville
  • Victoriaville

  • Grand-Mère
  • La Tuque
  • Trois-Rivières

  • Thetford Mines

  • Lac Mégantique

  • Saint-Georges

  • Sainte-Marie

  • Lévis
  • Lévis  (secteur St-Nicolas)
  • Québec  (secteur Cap-Rouge)
  • Québec  (secteur Val-Bélair)
  • Québec  (secteur Charlesbourg-Lebourgneuf)
  • Québec  (secteur Beauport)
  • Québec  (secteur vieux Québec)

  • Alma - Lac-Saint-Jean
  • Chibougamau
  • Chicoutimi
  • La Tuque

  • Matane
  • Rimouski
  • Rivière-du-Loup

  • Côte-Nord

  • Chandler
  • Gaspé
  • Paspébiac

  • Alberta
  • Colombie Britannique
  • Manitoba
  • Nouveau Brunswick
  • Terre-Neuve- et-Labrador
  • Nouvelle Écosse
  • Ontario
  • Île-du-Prince–Édouard
  • Saskatchewan
  • Territoires du Nord-Ouest
  • Yukon Nunavut

 

Facebook
  • Fissure-Expert à Laval
  • Fissure-Expert à Markham
  • Fissure-Expert à Mississauga
  • Fissure-Expert à Mont-Tremblant
  • Fissure-Expert à Saint-Jean-sur-Richelieu
  • Fissure-Expert à Saint-Laurent -
  • Fissure-Expert à Sainte-Julie
  • Fissure-Expert à Toronto

Services

  • Fissures intérieurs sur fondation en béton
  • Imperméabilisation de fissure extérieur de fondation
  • Réparation de fissures dans un coin de fenêtre
  • Réparation de fissures de plancher
  • Réparation de joints de béton ou joints à froid
  • Réparation de trous dans le béton et nid d’abeille
  • Réparation de fissure de piscine en béton
  • Sitemap - SEO

Contact

  • Terms of use

© 2007-2019 Le Groupe Fissure Expert

TOP
fb-share-icon
  • English
  • French