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? would u do? | If my gravel driveway washes out/away from extreme rainfall, is it covered under homeowners insurance? |
I want to get it paved to prevent this from happening again. |
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mbrcatz
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No.
Several reasons. Extreme rainfall makes surface water. Surface water is what's washing out the gravel drive. Another name for it, is flood. Flood is NOT covered under a homeowners policy. EVER.
Also, if you look at your homeowners policy - it covers the DWELLING, it covers OTHER STRUCTURES, it covers CONTENTS. A gravel driveway is not a structure. There's no coverage for your lawn, or the dirt, or the yard. There's a very limited amount of "additional coverage" for trees, shrubs & plants. But no driveways.
Sorry.
Also, paving the drive, does NOT turn it into a structure. |
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David D
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I agree with the previous answer wholeheartedly, but to go a little beyond what the other person said....most policies do not cover the yard, or the land itself. And most policies exclude landslide, cave-ins, sinkholes, etc.
Sorry to say, there is no coverage for that under most policies. |
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Sue
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There is no coverage for washout of driveways on any homeowners policy. It is not a structure and flood is excluded too. Also, if you had flood insurance, it wouldn't be covered on that policy either because flood insurance only covers your house. You would have to buy a separate policy to insure a separate building. The situation you are speaking of is uninsurable. Our driveway used to washout in one section every rainstorn (because we had ledge under the hill part of the driveway with only about 6-8 inches of dirt on top). So, we had to pave it & we did at our own expense - it is really considered maintenance - keeping the driveway in good condition just as you would any part of your property. |
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Expert Realtor
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No. This is considered an "act of God" and is most likely due to poor grading...not from anything unusual that occurred. |
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Phil
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No. For all of the reasons stated. |
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