Archives for January 2022

Is Hiring a Foundation Repair Contractor Covered by Homeowners Insurance?

If you have recently discovered that you need to hire a foundation repair contractor in Baton Rouge for your home, then you might be wondering if it’s covered by homeowners insurance and if it is, what exactly is covered. It’s important to look into your homeowner’s insurance to see what exactly is included. You might be surprised at what specific things are not handled by homeowners’ insurance.

Look into what is commonly thought to be covered, but actually isn’t. Either way, homeowner’s insurance is important and you should look deep into what is covered and what you have to pay out of pocket. Let’s go over what exactly is covered by homeowners insurance and if foundation repairs are included.

What Foundation Repairs Are Covered By Homeowners Insurance?

First off, your homeowner’s policy might be different from what’s listed here, but this is a basic list of what is usually included. Remember to always contact your policy plan agent to see what exactly they pay for and what you’re responsible for. This should get you started on what to expect. You will usually find the foundation coverage under the “dwelling” portion of your policy.

Typically, homeowners insurance includes usual disasters and issues that may cause damage to your home. These disasters are specific and this is what your insurance policy defines. For example, your insurance policy won’t necessarily cover just “water damage” but instead it will cover “water damage caused by plumbing or HVAC.” These specifics are important to pay attention to when looking at your policy.

Here’s a list of damage that your homeowner’s insurance policy will most likely cover :

  • Lightning or fire
  • Explosions
  • Damage caused by vehicles
  • Collapse due to weight of snow, ice, rain, or sleet
  • Riots or civil disturbances
  • Windstorms
  • Fallen trees
  • Water damage from plumbing or HVAC
  • Vandalism
  • Damage caused by aircrafts

This is a list of damages caused by certain events that should be handled by your homeowner’s insurance policy. Remember to always double-check or set up a meeting with your insurance provider to make sure.

What Foundation Repairs Are Not Covered By Homeowners Insurance?

Typically, homeowners insurance won’t cover certain damage caused by specific events. One of these is normal wear and tear to your home. Sometimes people assume that the “easier repairs” such as normal deterioration or something that happens gradually over time, but unfortunately that is actually not covered by most homeowners insurance providers. The most common foundation issues are, unfortunately, not covered by homeowners insurance.

Here is a list of damage that your homeowner’s insurance typically will not pay for:

  • Natural settling, shrinking, building, expanding, or cracking of the foundation
  • Wear and tear, marring, or deterioration
  • Earthquakes
  • Flooding
  • Tree root pressure
  • Sinkholes
  • Rodents, insects, and vermin
  • Faulty design or construction

These are typically not paid for by an insurance company. Of course, again, always contact your insurance agent to see what exactly is written into your custom policy. Also, be sure to be accurate with what caused the damage to your home, because you may think that it is one of these, but it might’ve been something else entirely that is included.

How Do You Know What Your Homeowners Insurance Covers?

To find out what is covered by your homeowner’s insurance you can contact their office and ask or you can double-check your insurance policy by reading it yourself and it will give you all the information you’re looking for. It’s also important that when you get your homeowner’s insurance policy that you look in-depth at what is written in. This will help save you later on.

It’s important to note that typically when you get the homeowners insurance that they allow for add ons. These add ons can consist of some of the instances that we mentioned above that are not typically covered. It might be a smart decision to get certain add ons for the insurance policy if you live in areas where the damage might be common.

For example, if you live in an area where earthquakes are quite common or you are worried about the damage done from recurring shaking and shifting, then you should maybe consider adding that to your policy. This will help give you peace of mind when it comes to natural disasters and the unforeseen damage done by them.

What Can You Do If You’re Not Covered By Homeowners Insurance?

If you aren’t covered by homeowners insurance then you might be very disappointed and probably quite stressed. However, it’s important that you still contact the homeowner’s insurance company just to be sure. Remember that when filing a claim with your insurance agency that you need to truly find the root of your problem.

For example, you might have flooding that has damaged your home and if you file the claim just under “flooding” then you will not be covered. But, if you look more into it and find out that a fallen tree is actually what busted a pipe and caused flooding, then you can have the service paid for, likely after investing a small amount to pay the deductible. Always find out what exactly caused the damage to find out if you are covered. If you still are denied your claim and you feel that the damage should be covered, then you can file a dispute.

Let a Foundation Repair Contractor in Baton Rouge Assist You with Your Homeowner’s Insurance Claim Today!

Homeowners insurance is very important and is required, so it’s important to know exactly what is covered by it. Foundation repairs are covered by insurance policies, but it is very situation-specific. Homeowners insurance unfortunately doesn’t cover a lot of very common damages done to the home, but rather covers specific cases of damage. Always look into your policy to see exactly what has been included for you. You shouldn’t stress about hiring a foundation repair contractor to fix your foundation issues, either. A reputable one will help walk you through your insurance policy and even file a claim on your behalf.

Also, note that foundation issues are very important and so they need to be repaired as soon as possible so that it does not cause any extensive damage that may be harder to repair. There are other options on how to pay for getting damages fixed that you’re not covered by. You should keep up with maintenance and inspections on your home’s foundation to ensure that you are up to date and it will save you money and time when it comes to foundation repairs.


The Durability of Stamped Concrete (Contractors Explain)

Concrete, by definition, is very durable, but can still crack or chip over time. This article explains the durability of stamped concrete and offers tips to increase its lifespan and improve its appearance. Find out what factors affect the lifespan of stamped concrete and how to care for it so it lasts as long as possible!

The following information is provided by our stamped concrete contractors Chicago. Trusted professionals in the field. Interested in learning more? Check out our company’s website or call Chicago Stamped Concrete Pros.

How Long Does Stamped Concrete Last?

Although it’s not as permanent as other paving options, stamped concrete is one of the most durable options you can choose for your next outdoor renovation project. Not only does it look great, but its low-maintenance nature makes it perfect for families with pets or anyone who wants to spend less time maintaining their home and more time enjoying it.

When it comes to outdoor renovations, you want your investment to last as long as possible. Thankfully, stamped concrete is one of the most durable types of paving materials available today. Not only is it low-maintenance and easy to clean, but its beautiful appearance means you can enjoy your home without worrying about keeping up with frequent repairs or replacements. When choosing stamped concrete for your next project, you’ll want to use professional services that will ensure that your new driveway or patio will stay strong for years to come.

In fact, you’ll want to choose a team that has plenty of experience in creating stamped concrete surfaces, because they know how to make them last. With a combination of experience and expertise in outdoor remodeling, you can trust that your stamped concrete will last for years without losing its appearance or strength. On top of that, a stamping company can also help with other exterior features such as flower beds and edging.

Does Stamped Concrete Crack Easily?

Stamped concrete is often thought to be brittle, or easily broken. However, many contractors know that stamped concrete requires very little upkeep and can last for decades if cared for properly. Here are some tips on how to make your stamped concrete last as long as possible!

  • For one, you must use a high-quality material that doesn’t crack easily. A cracked or weak foundation will cause further cracks and damage on top of it! Also, pay attention to how you clean and maintain your stamped concrete! Ensure a solid foundation because it’s especially important for patios or other cement areas subject to pressure from above.
  • Make sure your stamped concrete was properly cured and dried after installation; you can’t rush things in construction! After your material is installed, give it time to dry fully before using. Your concrete is most vulnerable when it’s new, so remember: Avoid stepping on wet concrete if possible! If you accidentally do, try to wash off any oil-based substances as soon as possible before they harden and damage your freshly laid concrete slab.

According to Home Advisor the average cost for stamped concrete is between $2,706 to $6,234. With an investment like that, you’ll want to make sure it’s properly installed and maintained to avoid cracks. Your contractor can help you with your stamped concrete project by answering any questions you have, so don’t be afraid to ask! They will also explain what kind of care your new patio or sidewalk needs in order to keep looking good for years to come.

Stamped Concrete Maintenance: What to Expect

Many people think stamped concrete is expensive and hard to maintain, but it’s really not. A properly installed and maintained stamped concrete driveway, patio or walkway can last for more than 20 years with minimal care. While that may surprise some homeowners, it’s no secret among contractors who work with stamped concrete every day.

If you’re thinking about getting stamped concrete installed, consider asking your contractor how to keep it looking good for years to come. Many contractors offer free maintenance tips; others might offer special promotions if you sign up for their service plan. Either way, they should be able to help you understand what needs to be done and why. Remember that like all surfaces, not all stamps are created equal; if possible, look at samples of different patterns before deciding on a pattern that will last for years without fading or flaking.

The key to keeping your stamped concrete looking great is keeping it clean. Sweep or power wash it at least once a week, and use a mild detergent when you mop. Avoid bleaches, harsh cleaners and anything with too much chlorine. If you have large stains or spills on your walkway or patio, call in a professional. To keep it looking sharp over time, use an acid-based sealer every few years to replenish shine and color.

What are the Disadvantages of Stamped Concrete?

Most people choose stamped concrete for its durability and low cost compared to other flooring options. However, there are some disadvantages that go along with it as well. It’s porous, so any liquids absorbed into it may leave marks or damage your floors over time. Also, unless you seal your floors, stains will be harder to remove than on sealed surfaces. You’ll need to keep an eye out for cracks which can cause even more problems down the road.

On a more positive note, sealed stamped concrete is hard to stain or damage with liquids. You can easily clean it with soap and water, though you may need a small amount of mildew remover from time to time. In addition, your floors will be easy to maintain if you seal them properly. The easiest way to do that is by spraying a clear sealer on top before applying a regular coat of paint or varnish—just make sure to let it dry fully before moving furniture back onto it.

Sealing your floors isn’t always necessary, but you should definitely do it if you plan to use them as a regular entryway. It can be tough to remove stains from concrete floors, and having them covered with paint will make it easier to wipe up anything that happens to spill on them. You may also want to seal and varnish over your floor if you live in an area with high humidity or strong rain.