In most cases, standard homeowners insurance does not cover driveway cracks caused by wear and tear, settling, or lack of maintenance. However, if the damage is due to a covered peril—like a fallen tree or vehicle impact—then coverage might apply.
In this blog, we’ll break down when driveway damage is typically covered, what insurers look for, and how to handle repairs. If you’re in need of reliable concrete repair or replacement, Leander Concrete Contractor is here to help.
Phone: (512) 881-7943
Email: contact@leanderconcretecontractors.com
When Does Insurance Cover Cracks?
Typically, homeowners insurance only covers driveway cracks if they’re caused by a “covered peril.” Here’s what that means:
Covered Perils May Include:
Falling trees or limbs
Vandalism or malicious mischief
Vehicle impact (e.g., car crashes into driveway)
Fire or explosion
Water damage due to burst pipes (in some cases)
If the crack resulted from one of these events, your insurance provider may offer partial or full coverage—depending on your policy terms.
When Cracks Are Not Covered
Most insurance companies do not cover cracks caused by:
Wear and tear over time
Soil settling or erosion
Improper installation or poor materials
Tree roots gradually pushing up from underneath
Lack of maintenance or neglect
These are considered maintenance-related issues, and it becomes the homeowner’s responsibility to repair the damage.
How to Find Out If You’re Covered (Step-by-Step)?
Check your policy: Look for the section on “Other Structures” or “Dwelling Coverage.”
Review exclusions: These spell out what’s not covered—often including earth movement or normal aging.
Contact your agent: Explain the situation and provide photos.
Get a professional assessment: Local team at Leander Concrete Contractor can help identify the crack’s cause with a free inspection.
Frequently Asked Questions (FAQs)
1. Will insurance cover pathway cracks from normal wear and tear?
No. Standard policies do not cover deterioration due to aging or lack of maintenance.
2. What type of damage to my driveway is covered by insurance?
Damage from covered perils like fire, vandalism, or falling trees may be covered.
3. Can I file a claim for cracks caused by soil movement?
Usually not, unless you have optional earthquake or ground movement coverage.
