Insurance typically covers the cost only of sudden disasters like floods or fires. Drought-related damage is seldom covered, Jaggers said. Courtney said of all the drought-related basement repairs his firm has done over the past quarter of a century, only a few have been covered by homeowners insurance.
Experts say the best bet is to take precautions to protect the foundation. Homeowners should watch for the development of gaps in the soil near the foundation, and should keep that soil as moist as possible, said Stock. Some experts also suggest placing mulch, which can slow moisture evaporation, around landscaping near the foundation.
Courtney said that once a problem is suspected, homeowners should act quickly.
"As soon as you see cracks or doors and windows stick, it's best to get a reputable company out there to look at it," Courtney said. "The longer you go, the more expensive it's going to become."
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