That crack in your driveway is more than just a nuisance, it can also be a dangerous situation. If someone falls on the uneven pavement, they could file a lawsuit against you for the damage. Most of the time, this type of damage occurs due to changes in the ground or the home's foundation. In other cases, it occurs due to damage the property owner, or someone else causes the damage. When will home insurance help you pay for those damages? There are several factors to consider.
What Is The Underlying Issue With Your Concrete?
Whether it is the driveway or the sidewalk, damage to concrete can occur for many reasons. In some cases, the homeowner causes it. For example, rolling a heavy piece of equipment over the sidewalk can cause damage. In other cases, it can occur due to storms — such as rainwater causing the soil to erode, and the ground under the sidewalk to collapse.
It is important to know the cause of the damage, because if someone is injured due to the damaged concrete, the source of what caused the damage will determine if coverage is triggered or not. This is why it is important to periodically inspect any driveways, patios and the like for upheavals or trip hazards.
When Does Home Insurance Cover The Damage?
There are some situations where home insurance can offer coverage, including repairs, replacements, and — depending on the situation — even concrete lifting. It will be essential for you to consider your policy and any restrictions on it, though.
- Home insurance covers damage related to storms. If a storm causes damage for any reason, it may cover the repairs.
- Damage caused by ice buildup may have some coverage, depending on the situation.
- Damage caused by another party, such as vandalism, will have coverage. However, this might exist only so long as that person does not live in your home.
- Damage brought on by accidents, such as something falling from the home and damaging the concrete, may have coverage.
Every situation is very different. It is up to your Ten Eyck Group agent to work with you to learn more about your situation. The driveway, and in some cases, the sidewalk, may be a part of your coverage.
These claims scenarios can be tricky and complicated and need a professional to help quarterback. If you think you have a situation that could either be a claim, or result in a liability claim. Contact your agent today to get started.