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Home Builder Warranties Cover Structural Defects Builders' warranties cover problems such as cracks in a home's foundation, bad wiring and plumbing and other defects. After a year, most builders' warranties on homes are limited to major structural issues that pose health or safety problems.
The main reason structural damage isn't included in most home insurance policies is that insurance is designed to cover loss due to sudden, accidental events. Because it can take so long to detect, structural damage can be considered a maintenance problem, which is not covered by home insurance.
Your foundation is covered by homeowners' insurance like any other part of your home. Unlike other parts of your home however, many causes of foundation damage are explicitly excluded from standard policies.
Basic homeowners' insurance covers financial loss caused by weather (e.g. lightning and hail) and catastrophic events (e.g. fire and explosions). Most homeowners policies do not, however, protect against flooding, earthquakes, neglect, power failure, war, or intentional loss.
Wood rot of floor joists is typically not covered by a homeowner policy unless it can be tied directly to a covered event. Mold caused by water due to condensation, excessive humidity or flooding is typically excluded from coverage provided by a home insurance policy.
Coverage for HVAC, plumbing, and electrical systems is generally two years. Some builders provide coverage for up to 10 years for major structural defects, sometimes defined as problems that make a home unsafe and put the owner in danger.
Home Builder Warranties Cover Structural Defects Builders' warranties cover problems such as cracks in a home's foundation, bad wiring and plumbing and other defects. After a year, most builders' warranties on homes are limited to major structural issues that pose health or safety problems.
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