Does a Homeowners Policy in Texas cover damage to house foundation from shifting and settling of the soil?
Most insurers use standardized forms called ISO forms (for Insurance Services Office) for their homeowner's insurance policies.
There are several different kinds of homeowner's policy forms used by insurers. For example, HO-1, HO-2, etc.
Because of some special issues in Texas, the state was even using some specialized ISO HO forms there.
But almost universally, no matter what HO policy form was used, they all exclude shifting and settling of soil.
No.
No homeowners policy ANYWHERE covers shifting and settling.
Most likely not, shifting and settling are usually standard exclusions in ALL homeowners policy's EVERYWHERE!
Sorry.
You need to read your policy and see if it covers that. Was it from storm damage? An act of nature? How old is the house?
If it's a new home I'd say that your contractor did something wrong and you may have to get legal assistance. Good Luck.
Answers:
You need to pull out your policy and look at the policy exclusions. These are the pages with all the legal gibberish! LOL! If you don't have that you can call your agent or the company directly and either 1) request a copy of the policy "jacket" or 2) ask your agent/or company if this is a covered loss.
you must review the exact terms of your insurance policy...not all policies are alike, even in the same state...
Every state is different, but on a manufactured home in New Mexico, if you have the endorsement on your policy, it WILL be covered. On a Homeowners policy, which is different, there would not be coverage unless it was caused by an earthquake and you had the endorsement on your policy. If it ws caused by a mudslide, or any other type of settling water, that would be covered under a flood insurance policy. But remember Im an agent in New Mexico, and I'm not to sure of the rules in TX..