Understanding Homeowners Insurance Coverage for Structural Damage

Protecting your property from any damage is always a top priority as a homeowner. One of the most concerning types of damage is structural damage, which can significantly impact the safety and value of your home. It’s essential to understand whether or not your homeowners insurance covers structural damage and what you can do to prevent it.

When Does Homeowners Insurance Cover Structural Damage?

Homeowners insurance provides financial protection to homeowners for various types of damage to their property. Structural damage is one of the most significant and costly forms of damage homeowners can experience. Structural damage can occur for several reasons, such as natural disasters, aging, or accidents. However, whether or not homeowners insurance covers structural damage depends on the damage’s cause and the insurance policy’s specific terms.

Homeowners insurance typically covers structural damage caused by unexpected events or “perils” such as:

  • Fire and smoke damage
  • Severe weather damage (hail, wind, lightning, etc.)
  • Vandalism and theft
  • Falling objects (trees, etc.)
  • Water damage (from burst pipes, not from flooding)

It’s essential to review your specific policy to see what is covered and what isn’t. Some policies may include additional perils, while others may have exclusions.

When Doesn’t Homeowners Insurance Cover Structural Damage?

While homeowners insurance can provide crucial financial protection for structural damage, some circumstances may not provide coverage. Homeowners should be aware of these exclusions and limitations to their coverage to ensure they have adequate protection for their property. A range of factors can cause structural damage, and the cause of the damage often determines whether or not it is covered by homeowners insurance.

There are some situations where homeowners insurance does not cover structural damage, such as:

  • Normal wear and tear: Over time, all homes will experience some level of wear and tear, which is not covered by insurance.
  • Neglect: Any resulting damage may not be covered if you neglect to maintain your home, such as not fixing a leaky roof.
  • Flood damage: Most homeowners insurance policies do not cover flood damage. You would need to purchase a separate flood insurance policy to be protected.
  • Earthquakes: If you live in an area prone to earthquakes, you may need to purchase a separate earthquake insurance policy to be protected.
  • Sinkholes: Depending on where you live, your policy may not cover damage caused by sinkholes.

Reviewing your policy and speaking with your insurance agent is essential to understand what is covered and what isn’t entirely.

How to Prevent Structural Damage?

Preventing structural damage is critical to keeping your home safe and maintaining its value. Here are some tips to help prevent structural damage:

  • Regular maintenance:Keep up with typical maintenance tasks, such as cleaning gutters, fixing leaks, and repairing cracks in the foundation.
  • Proper ventilation:Ensure your home is properly ventilated to prevent moisture buildup and mold growth.
  • Structural upgrades:Consider making structural upgrades, such as reinforcing your foundation or installing hurricane shutters, to protect your home from severe weather.
  • Trim trees:Regularly trim any trees or branches that could fall and cause damage to your home.
  • Monitor water usage:Be mindful of water usage and promptly fix any leaks to prevent water damage and mold growth.


Homeowners insurance can cover structural damage caused by unexpected events or perils, but reviewing your policy is essential to understand what is covered and what isn’t. To prevent structural damage, keep up with regular maintenance tasks, make necessary structural upgrades, and monitor your home for any potential issues. By taking these steps, you can protect your home and prevent costly damage in the long run.

Protect Your Home from Structural Damage with Us!

If you are a homeowner and concerned about protecting your property from structural damage. Contact Locke Insurance Group today to discuss your homeowners insurance coverage options. Our experienced agents can help you understand your policy’s specifics and ensure you have the protection you need. With our comprehensive coverage options, you can rest assured that your home is protected from unforeseen events that may cause structural damage. Contact us today to protect your most valuable investment.

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