Does Insurance Cover A Dropped Floor Or Foundation? 
The section of the policy that will likely answer the question the best will be found in the `` Exclusions '' . In the ISO Homeowner Form 3 -LRB- HO3 -RRB- policy , emulated by most insurers if not used directly , and the most common form of homeowner insurance issued in the USA , is the form I take this information from . It says : Collapse , Settling , subsidence , earth movement -LRB- unless endorsed otherwise -RRB- , landslide , mudslide , mudflow , sinkhole , or any other impact of the earth sinking , rising or shifting that impact the foundation structure , walls , footings or floor are specifically excluded . An exception is made for the impact of losses caused by fire but only to the extent caused by the fire . In other words , if a fire ensues and the building eventually collapses , it is covered to the extent the damage was caused due to the damage of fire . There are certainly regional exceptions . In Ohio , due to past mining activity , subsidence has to be offered in various counties -LRB- but does not need to be purchased -RRB- . Florida has a problem with sinkholes and may have state mandated coverage changes . California has issues with earthquake and almost certainly requires at least the offer of earthquake insurance . Check with your local insurance representative for the advice that fits your particular locality . 