Sinking Foundations: Is This Something To Worry About?

Ohio offers a number of different attractions. There are major sports teams with stadiums and ballparks. There are growing metropolitan cities that offer many employment opportunities, museums, and bustling downtown areas. The cost of living throughout the state is also lower than many of the other states around the nation.

When you are a homeowner, it’s important to look at your foundation and determine if sinking is something you have to worry about.

A sinking foundation can happen to any home throughout Ohio. There’s often no advance notice to when it’s going to happen. It’s a result of the land not being prepared properly in most instances. It may also be a result of poor drainage.

Many homeowners will experience a sinking foundation or porch after heavy rains and floods where the water sits at the base of the home for extended periods of time. As the foundation sinks into the ground, it can cause an unevenness that leads to cracking of the concrete foundation as well as cracks in the wall and more.

Homeowners insurance can be purchased to ensure that you have the needed coverage on your foundation. Not all policies will include this level of coverage from the very beginning, but it can be added – and you will want to talk to an insurance agent about it.

An insurance agent will be able to tell you about the number of claims that have been made in your area as it pertains to a sinking foundation. This will allow you to see the frequency in which it happens so you know whether it is a big concern based upon where you live.

The important thing is to have the coverage so that if something does happen to your home in Ohio, you can file a claim with the insurance company.