Call Full Armor Insruance Services CALL US TODAY | (208) 664-6000
Auto Insurance CHURCH

Church insurance protects you against financial loss if you have an accident.

Read More
Non-Profit Insurance NON-PROFIT

Finding insurance doesn't have to be difficult. We do the work for you.

Read More
Mission/Travel Insurance MISSION/TRAVEL

Discover the perfect insurance options to meet your specific and unique needs.

Read More
Business Insurance BUSINESS

Browse a variety of insurance options in order to find the right one for you.

Read More
Auto & Home Insurance AUTO & HOME

A standard policy insures the auto & home and the things you keep in them.

Read More
Life Insurance LIFE

Learn about different life coverage options that fit your specific needs.

Read More

A crack in the driveway can be a problem for many homeowners. It not only can be an eyesore, but it also can create a dangerous situation. For example, guests could trip on the cracked concrete. Or the crack could cause your tires to deflate.image of house with focus on driveway

As a property owner, you need to make repairs to the driveway. These repairs ensure the driveway remains safe for your family and for your visitors. It also helps lessen your liability.

Don’t count on your insurance policy to cover these repairs though. Home insurance may help with some driveway-related repairs. However, this usually only happens when the damage was due to a sudden and unexpected event.

Let’s take a closer look at situations where you might be covered.

What Caused the Crack?

Let’s say a storm occurred, knocking over a large tree. The tree hit the driveway and cracked it. In cases where the event occurs suddenly, some home insurance policies will cover it. However, most driveway cracks do not occur like this. Rather, they occur because of uneven soil underneath. After periods of rain or other types of weather, the soil under your driveway could shift or wash away. This situation can weaken the support under your driveway concrete, causing cracks. Home insurance won’t cover this issue, as it’s deemed a long-term problem.

That said, it can never hurt to check. If you have a significant danger develop, call your home insurance agent. Discuss the problem. The agent might be able to come to your home to inspect the damage and determine the underlying cause. As they do, they can verify whether your home insurance will cover it.

Driveway repairs may require filling cracks or pumping material under the concrete to stabilize it. If your policy covers repairs, your home insurance agent will help you get a quote for them. Be sure to learn about all your repair options for long-term benefits.

Recognize the Risks

It is up to you to keep your property safe. If you have a crack in the driveway and someone falls, you could be responsible. In this case, your home liability coverage might pay the medical losses the other party sustains. However, it will only do this for third-parties. These are people who do not live at the home. Your policy also will not cover damage to your car resulting from a cracked driveway.

Be sure to make repairs to your driveway. Invest wisely in keeping the driveway in good shape. Keep an eye out for changes, especially after the seasons change. Taking this step can help reduce the risks of injuries or other damage.

Also Read: How Much Life Insurance Coverage is Enough?

Posted 8:11 AM

Share |


No Comments


Post a Comment
Name
Required
E-Mail
Required (Not Displayed)
Comment
Required


All comments are moderated and stripped of HTML.
Submission Validation
Required
CAPTCHA
Change the CAPTCHA codeSpeak the CAPTCHA code
 
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive


View Mobile Version
Facebook
Twitter
LinkedIn
Blog
Google+
ING
GuideOne
Foremost
CNA
Progressive
The Hartford
Safeco
American Modern
Travelers
Bristol West
Zurich
© Copyright 2017. All rights reserved.
Powered by Insurance Website Builder