Your homeowner’s insurance policy is an all risk policy. If the risk is not excluded it is included. Homeowner policies exclude earth movement, including but not limited to earthquake, volcanic eruption, landslide, mudflow, earth sinking, rising or shifting,” and losses caused “by . . . settling, cracking, shrinkage, bulging or expansion of pavements, patios, foundations, walls, floors, roofs or ceilings” as a covered risk.
Unless your insurance policy specifically excludes contractor negligence your policy may provided coverage for losses caused by contractor negligence under the policy.
If your claim has been wrongfully denied by your insurance company call today to speak to a partner for your free consultation. No recovery. No fee.