It’s one of the most disappointing conversations Columbine Insurance has with Littleton homeowners. Foundation problems in this region are common, expensive, and almost always excluded from a standard home insurance policy.<\/p>\n
Front Range soil contains bentonite, a highly absorbent clay that expands significantly when wet and contracts when dry. This shrink-swell cycle exerts real force on a home’s foundation, and it’s so common in Colorado that experts describe it less as a question of if a home will experience some damage, and more a question of when.<\/p>\n
Standard home insurance policies specifically exclude earth movement, which includes soil settling, shifting, expansion, and contraction. This exclusion exists because expansive soil damage is so widespread that insuring against it routinely would make policies unaffordable for everyone. In fact, expansive soils cause more financial losses nationally in a typical year than earthquakes, floods, hurricanes, and tornadoes combined.<\/p>\n
Doors or windows that stick or no longer latch properly, visible cracking in foundations or driveways, and uneven flooring can all indicate soil-related movement. Documenting these signs early, even though they may not lead to a covered claim, can still matter if a builder’s negligence or defective construction is later found to be a contributing factor.<\/p>\n
Understanding this exclusion now, rather than discovering it during a claim, helps Littleton homeowners plan realistically. This connects to the broader documentation habits we’ve discussed for local homeowners, including our post on why home inventory documentation matters<\/a>, since keeping good records helps in any claim scenario, even ones involving excluded perils.<\/p>\n Columbine Insurance in Littleton, CO helps homeowners understand exactly what their policy does and doesn’t address when it comes to Colorado’s challenging soil conditions. Visit Columbine Insurance<\/a> today to talk through your coverage.<\/p>\n","protected":false},"excerpt":{"rendered":" “My Foundation Is Cracking. Doesn’t Home Insurance Cover That?” It’s one of the most disappointing conversations Columbine Insurance has with Littleton homeowners. Foundation problems in this region are common, expensive, and almost always excluded from a standard home insurance policy. Why Colorado’s Soil Is a Known Problem Front Range soil contains bentonite, a highly absorbent […]<\/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":[5,7,6],"class_list":["post-28","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-columbine-insurance","tag-home-insurance","tag-littleton"],"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