Got a dent in the driveway? Understand whether you can turn to your home insurance policy to help.
A crack, no matter how small, in the driveway can be a problem for homeowners. Not only is it an eyesore, but it can create a dangerous situation. It could puncture your car’s tires or even cause a guest to fall and trip on your property. As a homeowner, you will want to resolve a crack in the driveway as soon as possible. Can you turn to your homeowners insurance for help? It depends.
Home insurance may help repair a crack in the driveway if it was caused by a covered peril, such as a natural disaster or vandalism. Say a storm knocked over a large tree which cracked your driveway. In some cases where the event occurs suddenly, the home insurance policy will cover it. However, most driveway cracks don’t appear like this. Rather, they happen because the earth underneath shifts. After periods of rain, the soil underneath your driveway could shift or wash away. In turn, this weakens the driveway concrete, putting pressure on it and cracking. Generally, home insurance will not cover this issue because it is deemed a long-term problem.
Even so, it’s worth reaching out to your insurer and asking if your home insurance will cover it. If you have a significant crack develop, the insurer may be able to send an agent out to inspect the damage and determine the underlying issue. As they do, they can verify whether your home insurance will cover it.
Whether or not your homeowners insurance covers a crack in the driveway, it’s best to get the issue resolved as soon as possible. Doing so can prevent injuries and damage. Visit Tompkins Insurance Agencies for help securing home insurance that suits your needs and budget.