Does a Home Warranty Cover Foundation Repair? Here’s What Homeowners Need to Know
One of the most common questions homeowners ask is, “Will my home warranty cover foundation repair?” The short and honest answer: not usually. But don’t panic — we’ll explain why and what options you do have.
Understanding What a Home Warranty Really Covers
Standard home warranties are designed to protect the parts of your home that see regular use and wear over time. That usually includes:
- HVAC systems
- Plumbing
- Electrical systems
- Water heaters
- Kitchen appliances
These warranties help homeowners manage the cost of breakdowns caused by normal usage. However, they rarely include coverage for structural components, like your foundation.
Why Foundation Repairs Are Typically Excluded
Foundations don’t fail because of everyday wear and tear. Instead, problems usually arise from:
- Soil shifting or settling
- Water intrusion and drainage issues
- Poor initial construction
- Natural ground movement over time
Because these aren’t classified as “normal system failures,” most warranty companies exclude them entirely from coverage. They see foundation problems as structural defects, which fall outside the scope of a home warranty.
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Are There Any Exceptions?
Yes — but they’re rare and typically specific to new construction. If your home was recently built, you might have a builder’s warranty. These warranties often include structural coverage for a limited number of years after the home’s completion.
If your builder provided a warranty, review it carefully — it may cover major structural defects, including foundation issues. Similarly, check your homeowner’s insurance policy for any clauses related to foundation damage, especially if it was caused by a covered event (like a burst pipe or natural disaster).
What to Do If It’s Not Covered
If your home warranty and insurance don’t cover your foundation issue, you still have options. At Foundation Solutions Group, we know that foundation repair can feel overwhelming — and expensive. That’s why we offer flexible financing to help homeowners get the repairs they need without putting strain on their budget.
We’ll work with you to create a plan that fits your situation, so you can restore the safety and stability of your home.
If you're unsure about whether your foundation issue is covered, take time to review your warranty and insurance documents. Not sure what you’re looking at? We can help.
Reach out to the experts at Foundation Solutions Group. We’ll answer your questions, inspect your home, and walk you through your options — including financing if needed.
Call us today or visit our website to learn more about our services and financing options.
Got questions? Our team is here to help. Schedule your consultation today!
Written By Shaun Miller, Owner Foundation Solutions Group
Shaun Miller is the owner of Foundation Solutions Group, a trusted foundation repair and waterproofing company serving South Central Kentucky and Middle Tennessee. With over 20 years of experience, Shaun is committed to delivering quality craftsmanship and ensuring that every project is done right the first time, backed by the company’s “Fix-It-Forever Guarantee.” Passionate about educating homeowners, Shaun leads the company’s "Solutions University" initiative to help clients protect their homes through knowledge and preventative care. Dedicated to his community, Shaun also supports local organizations and values the trust his customers place in him.