Your homeowners’ insurance is designed to protect your biggest investment. Accidents and unexpected events can happen, often leaving you with costly repairs. If your driveway is damaged, such as with cracks in the concrete or broken sections, you may wonder whether your homeowners’ insurance will cover the repairs.<\/p>\n
At Town & Country Insurance, our team can help you understand your policy, including what is covered and what limitations may apply. If you are looking for home insurance in Buford, GA, we are here to help you choose coverage that fits your needs.<\/p>\n
In certain situations, homeowners’ insurance may provide coverage for driveway damage caused by a covered peril. Covered perils are typically sudden and accidental events that are out of your control. For example, if a tree limb or other debris falls onto your driveway during a storm and cracks the concrete, your policy may help cover the repair costs.<\/p>\n
Another example is damage caused by a vehicle you do not own, and that is not owned by anyone in your household. If a driver accidentally crashes into your driveway and causes damage, your homeowners’ insurance may provide coverage, or the driver’s auto insurance may be responsible. Damage caused by vandalism or explosions may also be covered, depending on your policy.<\/p>\n
However, coverage does have limits. Homeowners insurance typically does not cover damage caused by neglect, poor maintenance, soil shifting, ground movement, or normal wear and tear. Small cracks, settling, and deterioration that occur over time are usually considered maintenance issues rather than covered losses.<\/p>\n
If you are unsure whether your driveway damage is covered, contact Town & Country Insurance today. We can review your policy and explain your options. If you need home insurance in Buford, GA, we can also provide a quote and explain what to expect if you need to file a claim.<\/p>\n","protected":false},"excerpt":{"rendered":"
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