Does Insurance Cover A Dropped Floor Or Foundation? 
This is an interesting scenario and not all that easy to answer . Coverage will depend on what actually caused the drop in the floor . Earth movement is not always covered under a standard HO-3 form . If you have an `` all risk '' policy , as opposed to a `` named peril '' policy try and check the exclusions that exists under the policy . Generally speaking an `` all risk '' policy will cover everything that is not excluded . Hopefully earth movement is not excluded and could provide some coverage . Without having your policy in hand it is tough to determine if coverage will be provided . My suggestion is to put a claim in with the company and have an adjuster come take a look at the damage . Keep in mind that coverage is triggered from a `` sudden , unforeseen occurrence '' I usually give an example of something making a large `` bang '' - like a car accident . If , over time , the earth slowly was moved and caused the pipe to be damaged it may be more difficult to make a case for coverage . I hope this helps in making a decision . 