Does Homeowners Insurance Cover Structural Damage? 
Structural damagee that is caused by a covered loss that is outlined in your policy would be covered under the terms and conditions of your policy . This really needs to be discussed with your insurance professional directly . There are things that can cause structural damage to a home that are outside of the areas that are covered in a Homeowners policy . Things like earth movement and Flood are standard exclusions for examle . You can include coverage for Earth movement in your homeowners policy in most cases , but Flood Insurance is always a separate and specific policy that needs to be purchased separately . Again talk to your insurance professional or check our the FEMA website and look for `` Flood Smart Certified '' Insurance Professionals in your area . 