Last week I introduced 5 things no home insurance policy covers. These are acts of war, nuclear meltdown, flood, earthquake, and sewage back up (see http://50.87.248.161/~wiseinsu/home-insurance-doesnt-cover/). It would be nice to think our home policies cover everything, but they don’t. In fact, last week’s list was only a partial list of what home insurance policies don’t cover. Here are three more items no Texas home insurance policy covers.
One of the questions I’m asked about a home policy is whether or not it has foundation coverage. If you’ve lived in the Dallas / Fort Worth area, or many other parts of Texas, you know our soil moves. This seems to affect north Texas more than any other part of the state. The reason is our homes are built on “blackland prairie.” This is an ecoregion that runs from the Red River to San Antonio. The soil has a high clay content that contracts and expands. This “soil movement” can either …
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