Concrete Foundation Collapse

by Lerrin
(Ontario, Canada)

Hi, I have a general question about foundation collapse. I know that foundation leaks etc...are not covered by nearly all insurers, however what happens if the concrete floor in someone's home collapses in a corner - bringing some of the main and second floor down with it?


This is a pretty extreme condition, but I have a colleague that it happened to in the U.S. and there's was covered in Arizona but he was told that not all States have this coverage...which got me thinking to Ontario...

Thank you.

Insurance for Foundation Collapse


Hi Lerrin, The vast majority of policies would not cover this unless it was as a result of an insured peril like a fire or impact by a vehicle.

There might be comprehensive policies that do not exclude this and therefore cover it. But I am not aware of any specifically. You'd have to check the policy wording to see.

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Note: Always speak with a licensed insurance professional about your specific situation. This insurance information is general in nature and the policy wordings always take precedence. It is possible that there are errors and omissions in this website and www.canada-insurance-source.com, or its authors, take no responsibility.

Keep in mind that insurance licensing, legislation, and policies often vary by province and most certainly by country. Canada Insurance Source is a free information source. So use this site to gain a general understanding of insurance with your own area and situation in mind.  Make sure you review the "please read" page. Always speak with a licensed insurance professional about your specific situation.

Always speak with a licensed insurance representative about your specific situation.

This site is general in nature and there may be errors or ommissions

Please Read

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