Does Homeowners Insurance Cover Structural Problems? 
The homeowners policy is a legal contract . The purpose of the contract is to protect you if you experience a peril . Perils include fire , windstorm , hail , sleet etc. . Defects in construction are not an anticipated peril . If you have a sudden defect report it to your insurance company . They adjust claims . That means they take the contract and determine if coverage applies . Although I would find it difficult there might be coverage under some circumstances . 