Will my homeowner’s insurance cover a 94 year old retaining wall that existed on the perimeter of my property?
UPDATED: Jan 23, 2017
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Asked January 23, 2017
Insurance policies are generally written in Pennsylvania or any other state to cover damage to the buildings on a property and possessions within it. Many insurance companies do not consider retaining walls to be included in this category, so they often write in an exclusion clause to leave out this type of item. This is done without reference to the age of the retaining walls, and they are often excluded because there can be many factors that will cause these walls to fail.
While exclusions are automatic with most home insurance companies, coverage can be provided for a retaining wall. It is important to go over each part of the policy, and the insurance agent can be asked to write in a non-exclusion clause to include the wall. This is the only way it will be included in a normal policy, and it may add to the cost of the policy.
Answered January 24, 2017 by bestrates