Who Covers A Frost Heave In The Driveway To The Road -- The Homeowner Or The City? 
It is impportant to remember the two most common exclusions in most Homeowners policies to begin to explore this question . Flood damage is always excluded and such protection is only available through the purchase of a separate Flood Insurance policy . The other common exclusion , which more closely begins to deal with this question , is damage to property caused by earth movement . Any earth movement that you can think of usually falls into this category of exception including earth quake , sink hole , settling , frost heave etc. . So the exclusion alone , if it is found in your policy , would be enough to deny coverage for such a loss . Always talk to your Insurance Professional about the specific terms , conditions and exclusions in your policy . 