is restumping covered by insurance?
Is Restumping or Reblocking covered by my insurance?
Maybe you are one of the people who are searching for an answer to the question, ‘Is restumping covered by insurance?’ The information below will help you to understand the extent of your insurance cover and how you can effectively plan your house restumping project.
Choosing a contractor
The process of replacing house stumps can be very dangerous if done poorly. Therefore, the Local Authorities require homeowners to use licensed reblocking contractors with experience in servicing homes in the area. There is a need to protect your family and property.
According to the local authority, if the total project cost is more than $16000, you should use a contractor with insurance cover. Ensure that your contractor provides you with a current insurance certificate, covering house restumping projects.
As a homeowner
In general, houses require reblocking solutions to help prolong their lifespan. With time, the property gets affected by different agents such as elements of weather and reactive soils. In most cases, this may be considered general wear and tear or natural decay, which is not covered by insurance. If your insurance covers problems with the foundation, it is more likely to cover for such foundation repairs too. It is advisable to consult with your insurer regarding house restumping costs. Also, check whether your insurance regards this as wear and tear.
As a tip, if your insurance covers against the causes of foundation damage, it is more likely to cover against house restumping as well. In the end, you need to choose your house restumping contractor wisely, to avoid hiring an expensive contractor whose charges are not affordable. Total Restumping Melbourne, we proudly offer very competitive pricing for our services. You can get in touch with our team for a project assessment.
Does insurance cover cracked walls?
In general, a house that is experiencing foundation problems may develop cracks on its walls. Restumping a house will strengthen its foundation. However, if the walls had started cracking, they may need to be repaired, to restore the aesthetics of your house. You may be wondering whether your insurance covers cracked walls.
It depends on what is listed in your product disclosure statement. It contains all the types of risks covered by your insurance policy. If the foundation damage was caused by an event that you insured against, your insurance is more likely to cover cracked walls as well.