HURRICANE IAN NOTICE: To file a claim, please contact your carrier’s Claims Department directly. Please click here for a list of our carriers’ phone numbers.

Call Us 866-998-6155 ☰ ˟
calendar
File A ClaimRisk & Safety Advisors 866-998-6155
  • HOME
  • GET A QUOTE
    • HomeownersImage of right arrow
      • Homeowners Quote
      • Condo Unit Owners Quote
      • Renters Insurance Quote
      • Manufactured Home Quote
      • Mobile Home Quote
      • Builders Risk Quote
      • Vacant Property Quote
    • Automobile
    • Equine & Farm
    • Motorcycle
    • Trailer Insurance
    • Flood
    • Umbrella
    • Personal Watercraft & BoatImage of right arrow
      • Boat Quote
      • Yacht Quote
      • Jet Ski Quote
    • Golf Cart
    • RV's & MotorhomeImage of right arrow
      • Motorhome Quote
      • Travel Trailer Quote
      • ATV Quote
    • Condo Owners
    • Renters
    • Manufactured & Mobile Homes
    • Business & CommercialImage of right arrow
      • Builders Risk Insurance Quote
      • Commercial Auto Quote
      • Commercial Property Quote
      • General Liability Quote Form
      • Business Owners (BOP) Quote Form
      • Workers Compensation Quote
    • Life & AnnuitiesImage of right arrow
      • Individual Life Insurance Quote
      • Mortgage Protection Quote
      • Key Person (Key Man) Quote
      • Disability Insurance Quote
  • FIND AN AGENT
  • JOIN US
  • ABOUT US
    • About Us
    • Our Locations
    • Employee Directory
    • Testimonials
    • Privacy Policy
    • Carriers
  • RESOURCES
    • Refer a Friend
    • Calculators
    • Insurance Glossary
  • Equine
    • Get A Quote
    • Equine & Farm
    • Events
    • Missy Sullivan
  • CONTACT
    • Contact Us
    • Join Our Newsletter
  • RISK & SAFETY ADVISORS
vintage home icon

Home

We browse through a wide variety of coverages and find the right one for you.

Learn More
vintage car icon

Auto

We browse through a wide variety of coverages and find the right one for you.

Learn More
vintage boat icon

RV & Boat

We browse through a wide variety of coverages and find the right one for you.

Learn More
vintage briefcase icon

Business

We browse through a wide variety of coverages and find the right one for you.

Learn More
vintage horse icon

Equine

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home > Blog > Will Home Insurance Help Replace Your Damaged Driveway?
TUESDAY, JULY 20, 2021

Will Home Insurance Help Replace Your Damaged Driveway?

Your driveway has a large crack running through it. Someone could trip and suffer a significant injury from this. Yet, the cost to make the repairs is high. Could your home insurance help you? As a component of the structure of your property, your driveway may have some coverage under your policy. However, there are limits to this that you should know about before filing a claim. Here are the details. 

A Tree Cracks the Driveway as It Falls 

A storm causes the tree to fall onto your driveway. A large crack forms. It is going to take replacing the driveway to get the crack fixed. In this case, your home insurance may cover the cost to repair it. The key here is that there was no way for you to know the damage could occur. It was accidental and unavoidable. In this case, your policy may be available because the driveway is typically a component of the home’s structure. Policies do differ here, however. 

Other Damage to the Driveway 

Just like with any other structure in your home, it is up to you to maintain your drive way. If you fail to do so and then suffer a loss, the insurer may not offer coverage. For example, heat and freezing can cause the structure to buckle over time. If this is due to a broken pipe underneath or perhaps from erosion, your policy may not offer coverage. It can be hard to know when your coverage applies. Knowing the underlying cause of the damage becomes critical. 

Another Factor – The Type of Repairs Available 

If it is possible to repair your driveway, your insurer is likely to pay for this type of service if you can file a claim. On the other hand, if the damage is severe, it may recommend replacing it in full. However, the insurer may only replace the portion damaged, not the whole driveway. In other cases, patching may be an option. If this is an option to bring the property back to a safe level, this is what the insurer will cover. 

Are you unsure if you have the right type of coverage? If so, work with your home insurance agent to gather more insight. Your agent can come to your home to inspect the damage. This can give you more insight into what your options are for repair or replacement.
Posted 12:13 PM

Tags: homeowners, policy, coverage, insurance, driveway
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020

  • insurance(23)
  • coverage(21)
  • commercial(9)
  • policy(7)
  • liability(7)
  • general(5)
  • homeowners(4)
  • business(4)
  • car(4)
  • auto(4)
  • life(3)
  • accident(3)
  • whole(3)
  • terms(3)
  • boat(3)
  • small(3)
  • workers(3)
  • retirement(3)
  • watercraft(3)
  • compensation(3)
  • workers compensation(2)
  • life insurance(2)
  • auto insurance(1)
  • vehicle(1)
  • general liability insurance(1)
  • restaurant(1)
  • atv(1)
  • requirements(1)
  • damage(1)
  • rv insurance(1)
  • powersport(1)
  • liquour(1)
  • workers comp(1)
  • flood(1)
  • homeowners insurance(1)
  • driveway(1)
  • home(1)

View Mobile Version

Resources

  • Products
  • Customer Service
  • Payment Options
  • Report a Claim
  • News
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Corporate Office

250 Royal Palm Way
Palm Beach, FL 33480

P: 239-274-9200 | Toll-Free: 866-998-6155 | Fx: 239-791-8643
© Copyright. All rights reserved.