Is underpinning covered by homeowners insurance in New Jersey?

Most standard NJ homeowners policies exclude foundation settlement, soil movement, and earth shifting from coverage. Underpinning is typically an out-of-pocket expense for the homeowner unless the settlement was caused by a covered peril such as a burst plumbing line washing out soil.

Some policies offer settlement riders and some lenders require underpinning before financing certain renovations. We provide documentation suitable for insurance claims or real estate escrow holdbacks when applicable.

Scaldino Basement Solutions handles this across New Jersey. Contact us for a free on-site assessment.