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Question DetailsAsked on 5/28/2017

Does home owner insurance cover cracks on pavers that are lifting up around pool area

Pavers cracking and lifting up

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1 Answer


I guess one should not make absolute statements, but this is about as close to a positive NO as I can imagine - except for a very few very OLD policies which have not been updated, homeowner's policies do not cover earth movements or settlement (which this would be considered) or long-term progressive deterioration (which cracking over time would also be considered) - so I am real confident the answer would be no.

And bear in mind even calling your agent about whether something is covered or not is used by many or most insurance companies as a "claim" even if they do not pay anything out, so can raise your premium. A greater risk - if they do not have your pool on their records and are not charging you a pool premium (or with some companies, have not dropped your insurance because you have a pool without a Trump Wall around it), so I would say not only is it a very long shot to hoep they will cover it, but your potential downside is extreme.

Read you policy - I am sure if it is not about 50 or more years old that it will exclude earth movements. Some also specifically exclude exterior paving and patios and such, which would exclude your claim on that basis too.

Answered 3 years ago by LCD

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