House of Insurance hears this question constantly from Houston homeowners, and the honest answer is more complicated than a simple yes or no. Houston’s clay-heavy soil is notorious for expanding and contracting with moisture changes, and that movement puts real stress on home foundations across the area.<\/p>\n
The clay soil common throughout Houston swells when it absorbs water and shrinks as it dries out. This constant expansion and contraction cycle, especially noticeable during Houston’s swings between heavy rain and dry spells, puts pressure on foundations that soil in other regions simply doesn’t create. Over time, this movement can lead to cracking, settling, or shifting.<\/p>\n
Many homeowners assume any foundation issue automatically qualifies for a claim, only to learn that gradual movement from expansive clay soil falls into the category insurers consider preventable maintenance, similar to how termite damage gets excluded. The frustrating reality is that Houston’s soil basically guarantees this kind of movement will happen to some degree over time.<\/p>\n
Some insurers offer specific endorsements addressing foundation repair, though availability varies. Beyond insurance, maintaining consistent soil moisture around your foundation through proper drainage and watering during dry spells can help reduce the severity of movement over time.<\/p>\n
If you’re noticing cracks or shifting and aren’t sure whether it’s covered, that’s worth reviewing with House of Insurance before you assume either way. Check out our home insurance page<\/a> or give us a call at 713-694-5500.<\/p>\n","protected":false},"excerpt":{"rendered":" “My Foundation Has Cracks, Is That Covered?” House of Insurance hears this question constantly from Houston homeowners, and the honest answer is more complicated than a simple yes or no. Houston’s clay-heavy soil is notorious for expanding and contracting with moisture changes, and that movement puts real stress on home foundations across the area. Why […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[25,10,11],"class_list":["post-83","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-home-insurance","tag-house-of-insurance","tag-houston"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t