Will My Homeowners Insurance Cover Foundation Problems? 
If your foundation is damaged by a covered peril , then it would be taken care of by the home insurance -LRB- so if a house fire causes damage to your foundation you would be fine -RRB- since the foundation is part of the house . However , home insurance policies exclude damage by flood and hydrostatic pressure , so if your `` foundation problems '' are due to the pressure of water , or shifting ground there would not be coverage . If the concrete is simply no good , that is also excluded since it is caused by a slow degradation , not a sudden and accidental occurence . It 's hard to answer your question without more info . Send me a message and we can address it specifically . 