Does homeowners insurance cover a cracked driveway?

Home insurance may help repair a crack in the driveway if it was caused by a covered peril, such as a natural disaster or vandalism. Say a storm knocked over a large tree which cracked your driveway. In some cases where the event occurs suddenly, the home insurance policy will cover it.

What causes large cracks in driveway?

Hairline cracks are common as a driveway ages and weather takes its toll. Cracks will continue spreading, widening, and deepening, which can lead to bigger problems down the road. Dirt and water will work their way into the cracks. When the water freezes and expands, it causes the cracks to grow.

How do you fix large cracks in concrete driveway?

Wide cracks in concrete are best patched and sealed with a concrete patching compound. Smaller cracks, less than 1/4 inch wide, can be repaired with a concrete caulk or liquid filler. Patching compounds typically are mixed with water and applied with a trowel.

Should I seal cracks in my concrete driveway?

Cracks up to ¼ inch in width can be filled with sealant. Cracks of this nature may never get any larger, but water can seep into them, freeze, and expand, causing the cracks to widen, so it’s a good idea to seal them with the flexible Advanced Polymer Concrete Crack Sealant from Quikrete.

Why are there small cracks in my concrete driveway?

Small cracks here and there that are narrower than ¼ inch are most likely the result of shrinkage as the driveway cured. Like spider web cracks, these small cracks do not indicate a larger problem, and they often show up soon after the concrete is poured.

How to fix large cracks in asphalt driveway?

Please try again later. Leah from See Jane Drill demonstrates how to quickly and easily repair large cracks in an asphalt driveway, using a rubberized asphalt crack filler. Due to factors beyond the control of See Jane Drill, we cannot guarantee against improper use or unauthorized modifications of this information.

What are the exclusions for home insurance for driveway damage?

The most common exclusions are: For driveway damage to be covered by your homeowner’s insurance the damage must be a sudden event, not caused by one of the excluded perils and the claim must be reported in a reasonable time. If a tree falls on your driveway and causes it to crack, that damage would be covered.

What happens if a tree falls on your driveway?

If a tree falls on your driveway and causes it to crack, that damage would be covered. The tree falling is a sudden, unexpected event and a covered peril. Cracks from the earth shifting under the driveway would not be covered. Earth movement is an excluded peril and cracks show up over time.

Can a home insurance policy cover a cracked driveway?

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.

What happens if you have a crack in your driveway?

Or the crack could cause your tires to deflate. 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.

Can you pay for damage to a driveway?

If the owner is concerned about possible damage to the driveway then they can pay for whatever it takes to avoid driving heavy trucks on it. There’s too much you can’t see…. whether or not the base is well compacted, whether or not the concrete or asphalt is thick enough, etc.