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Normally retaining walls are not included as part of the standard coverages in a homeowners policy. Your homeowners policy was designed to protect your home so that you have a place to live. It wasn't designed to protect things that aren't part of the building.
It does not mean every possible risk is covered. Insurance is regulated by states. Different states have differing common perils, meaning in an all risk insurance policy, retaining walls are typically listed among exclusions. A Common Exclusion The exclusion
Retaining walls play an important role in preventing erosion and holding back soil from sloping areas beside your home, driveway or yard. If you have a retaining wall, you'll want to check with your homeowner's insurance policy to see what losses if any are covered. By ensuring you have the
Home Insurance claims am I covered? Claiming for damage to your home Every Home Insurance claim is unique and based on individual circumstances. The easiest way to find out if you're covered is to start a claim and we can confirm if the incident is covered by
The technically correct answer to your question is that yes, retaining walls are covered under the Other Structures portion of your homeowners insurance policy. With that said, most policies contain exclusion clauses, and it is possible that retaining walls or
Let me start by saying my home is ~14 years old. I have a retaining wall in my backyard. This is not a shared retaining wall, Well insurance denied my claim, the reason being improper construction and design of the wall. My policy does not cover loss due
A Common Exclusion The exclusion listed in insurance policies can vary, but it is not uncommon for retaining walls, foundations and other structures that are not buildings to be excluded from coverage. Depending on your policy, any number of items such
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