Foundation Repairs and Home Insurance in Quebec: What’s Covered and What’s Not
Foundation damage is one of the most expensive and stressful issues a homeowner can face. In Quebec, the climate—combined with factors like shifting soil, flooding, and freezing temperatures—makes foundation problems fairly common. One question we often get at Marco Réparation de Fondation is:
“Will my home insurance cover foundation repairs?”
Let’s break down what Quebec homeowners need to know about insurance coverage, common exclusions, and how to protect your property proactively.
What Causes Foundation Damage?
Before diving into what insurance covers, it’s important to understand how foundations get damaged:
- Soil shifting or settling beneath your home
- Water infiltration due to poor drainage or heavy rain
- Frost heave in winter months
- Tree roots growing too close to the foundation
- Plumbing leaks inside or under the slab
Learn more: Top 7 Causes of Foundation Damage in Montreal Homes
When Does Home Insurance Cover Foundation Repairs in Quebec?
Home insurance typically covers sudden and accidental events. Here are a few examples of when you might be eligible for coverage:
Covered Situations:
- Burst pipes leading to foundation flooding
- Fire or explosion damaging your foundation
- Vehicle impact causing structural damage
- Sudden ground collapse or sinkholes (depends on your policy)
In these cases, the insurance company may help cover:
- Foundation repairs
- Water removal and restoration
- Related structural work
When Foundation Damage Is Not Covered
In most cases, home insurance does not cover damage due to gradual wear and tear or lack of maintenance. These include:
- Cracks due to settling
- Water damage from poor drainage
- Tree root intrusion
- Frost damage if no preventive steps were taken
Read more: The Effects of Winter on Your Foundation
Optional Add-Ons That Could Help
If you live in a flood-prone or frost-prone area, consider purchasing additional riders to your insurance:
- Water backup coverage
- Overland flood protection
- Sewer backup insurance
- Earth movement rider (for areas with clay soil)
These add-ons can help bridge the gap between what’s covered and what’s not.
Tips to Strengthen Your Insurance Claim
If your foundation is damaged and you suspect it might be covered:
- Document everything – take photos and videos of the damage.
- Contact your insurer immediately – delays can lead to denial.
- Get a professional inspection report from a licensed contractor like us.
- Avoid making temporary repairs without insurer approval unless it’s an emergency.
Prevent Foundation Problems Before They Happen
While not all damage is preventable, routine maintenance and proactive repairs can help you avoid denied insurance claims.
- Install French drains or interior drainage systems
- Seal foundation cracks early
- Waterproof your basement
Why Waterproofing Your Basement Before Spring Thaw Is Crucial
- Schedule seasonal inspections
Need Help with a Foundation Insurance Claim?
At Marco Réparation de Fondation, we not only specialize in professional foundation repair, but we also help homeowners navigate insurance questions and paperwork.
Whether you’re dealing with a recent water intrusion or want to prepare your home for Quebec’s harsh winters, our team is ready to help.
Contact us today for an expert assessment or inspection.
