Does building insurance cover cracked walls?

Posted on: Jan 7, 2025 | 3 mins | Written by: HDFC ERGO Team

Does building insurance cover cracked walls?

A building insurance policy is a necessary part of living in a house or renting a space in India. This type of insurance covers your home from different dangers and losses so that you should not lose money in future calamities. The last of the problems that can be associated with walls or any other part of the home is cracks, and the occupants of the building, and tenants might be interested in whether building insurance or homeowners insurance will compensate for the repair expense. Let us find out the details below.

Cracked Walls are both homeowners and tenants nightmare

The signs of wall cracks include natural disasters, building age, and poor quality during construction. These cracks may be found at the external walls or at the internal ones and can start from the hairline cracks, and end up with severe structural cracks. However, the causes of crack formation, the aesthetics of the walls, and protection from hazards are important to the home occupants and tenants.

Should costs associated with cracked walls be paid for by building insurance?

Typically, small-scale and general building insurance policies do embrace damages as a result of natural disasters including earthquakes, floods, or storms. Still, it may happen that upon the growth of time and possible shrinking, cracking or any other form of wear and tear, there will be small cracks, and they may not be considered under the policy.

Owners insurance and cracks on walls

Homeowners insurance is another kind of property insurance which generally pays for specific perils that cause damages and losses. These risks mostly comprise fire, theft, vandalism, and certain types of natural calamities. While renters insurance does come in handy when fixing crack walls caused by such occurrences, there are those that develop from wear and tear, settling, or substandard workmanship, which may not be honoured by the insurers.

Insurance for cracks in the walls of the home

Home insurance , sometimes referred to as building insurance generally offers protection to the physical structure of the residence. To determine whether the walls in your home are covered in case they develop cracks, approach your insurer and study your policy.

Conclusion

Building insurance or homeowners insurance may include cracked walls, but you should learn the details of your policy. Should cracks appear on your walls or you are a tenant who has apprehensions of your property, get in touch with your renters insurance company or the landlord immediately and act as the circumstances demand. Assuming precaution and being knowledgeable about one’s insurance policy benefits can save one’s property and reduce stress in the future.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

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