Policies commonly separate a sudden event from gradual movement. Foundation claims usually turn on which one the evidence supports. Read your own policy and ask your insurer directly — nobody else can tell you what yours covers.

The cause an adjuster will ask about in St. Louis

The dominant mapped soil here is Urban land-Vandeventer-Harvester complex, 3 to 8 percent slopes, in hydrologic group C. Gradual seepage and gradual movement are the explanations an adjuster reaches for first, and they are the ones least likely to be treated as a sudden event. That is why finding a plumbing leak, if one exists, changes the conversation. It replaces a gradual process with something that has a date attached.

The reasoning behind that

The distinction most policies draw is between something that happened and something that has been happening. A plumbing line that failed under the floor and saturated the ground is an event with a date. Ground settling or pressing on a wall through the ordinary seasons is not. The two are commonly treated very differently. That is why the plumbing test matters. A pressure test on the lines under the floor shows whether a leak is present. If one is, that is a cause a policy may recognize. Doing it before a claim rather than after is the difference between evidence and an argument. Documentation is the rest of it. Dated photographs, an elevation survey, any earlier inspection from when the house was bought, and the plumbing test results. A claim assessed on a description is assessed on less than a claim assessed on measurements. This page cannot tell you whether your claim will be paid and neither can any contractor. What it can tell you is what the question will turn on. Then the evidence exists before anyone asks for it.

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