Whether your homeowners insurance covers house foundation repair depends on the specific circumstances and the policy you have. Generally, standard homeowners insurance policies do not cover foundation damage caused by wear and tear, settling, or maintenance issues.

However, there are instances when foundation damage may be covered:

• Covered Perils:
  Your insurance policy may provide coverage if your foundation damage results from a covered peril, such as a sudden and accidental water discharge or a fire. Review your policy to understand the perils covered.

• Additional Endorsements:
  Some insurance companies offer additional endorsements or riders that can be added to your policy to cover specific perils, including foundation damage. This option may come with additional costs but could provide the protection you need. Consult with your insurance agent to determine if these options are available.

If your homeowners insurance policy does not cover foundation damage, there are alternative options to consider:

• Specialized Policies:
  Some insurance companies offer specialized policies that cover foundation repairs. These policies may have different terms and conditions, so it's crucial to understand the coverage and exclusions thoroughly.

• Home Warranty:
  Consider purchasing a home warranty that includes foundation coverage. Home warranties typically cover repairs or replacements for major home systems, including the foundation. Review the terms of the warranty carefully to ensure it meets your needs.

If your homeowners insurance policy covers foundation damage or if you have a specialized policy or home warranty that covers it, follow these steps to file a claim:

• Contact Your Insurance Company:
  Notify your insurance company when you discover foundation damage. Provide them with detailed information about the damage, including when it occurred and what caused it.
• Document the Damage:
  Take photographs and videos of the foundation damage, close-ups, and wider angles. This evidence will support your claim and help the insurance company assess the extent of the damage.
• Obtain Professional Assessments:
  Hire a professional foundation contractor or engineer to evaluate and document the damage. Their expertise and detailed report will strengthen your claim and provide an estimate for the necessary repairs.
• Cooperate with the Insurance Adjuster:
  When the insurance adjuster visits your property, be present and provide them with all the necessary documentation and information. Cooperate fully throughout the claims process.