Does Insurance Cover Foundation Cracks?
Foundation cracks are a common problem for homeowners, especially in older houses. They can cause structural damage, water leakage, pest infestation and lower property value. But does insurance cover foundation cracks? The answer depends on the cause and extent of the damage, as well as the type of policy you have.
does insurance cover foundation cracks
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What causes foundation cracks?
Foundation cracks can have various causes, such as:
Soil moisture: Too much or too little moisture in the soil can cause it to expand or contract, putting pressure on the foundation and creating cracks.
Earth movement: Natural events like earthquakes, landslides, sinkholes and volcanic eruptions can shift the ground and damage the foundation.
Tree roots: Tree roots can grow under or near the foundation and push against it, causing cracks or displacement.
Poor construction: Faulty design, low-quality materials, improper drainage or inadequate soil preparation can result in a weak foundation that is prone to cracking.
Normal wear and tear: Over time, concrete can shrink, bulge, expand or crack due to temperature changes, aging or settling.
When does insurance cover foundation cracks?
Insurance covers foundation cracks when they are caused by a covered peril, such as fire, lightning, windstorm, hail, explosion, vandalism or vehicle collision. These are sudden and accidental events that are beyond your control. For example, if a tornado damages your foundation, your insurance will pay for the repairs.
However, insurance does not cover foundation cracks when they are caused by excluded perils, such as flooding, earthquake, tree root pressure or normal wear and tear. These are gradual or predictable events that are considered part of regular home maintenance or prevention. For example, if your foundation cracks due to soil settling, your insurance will not pay for the repairs.
How much does insurance pay for foundation repairs?
The amount of insurance payout for foundation repairs depends on several factors, such as:
The extent of the damage: The more severe the damage, the higher the cost of repairs.
The type of repair: Different methods of repair have different costs. For example, epoxy injection is cheaper than piering or slabjacking.
The deductible: The deductible is the amount you have to pay out of pocket before your insurance kicks in. The higher the deductible, the lower the payout.
The coverage limit: The coverage limit is the maximum amount your insurance will pay for a claim. The lower the limit, the lower the payout.
The average cost of foundation repair ranges from $1,800 to $6,500, according to HomeAdvisor. However, some cases may require more extensive work that can cost up to $40,000 or more. You should check your policy details and consult with your insurance agent to determine how much coverage you have for foundation repairs.
How to prevent foundation cracks?
The best way to avoid foundation cracks is to prevent them from happening in the first place. Here are some tips to help you protect your foundation:
Maintain proper drainage: Make sure water flows away from your house and does not pool around your foundation. Install gutters and downspouts to divert rainwater and keep your soil moist but not saturated.
Avoid planting large trees near your house: Tree roots can damage your foundation by pushing against it or absorbing water from the soil. If you have existing trees near your house, prune them regularly and install root barriers to prevent them from growing under your foundation.
Inspect your foundation regularly: Look for signs of cracking, shifting or sinking in your foundation and walls. If you notice any problems, contact a professional foundation contractor as soon as possible to fix them before they worsen.
Review your insurance policy: Make sure you understand what perils are covered and excluded by your insurance policy. Consider adding supplemental coverage or endorsements for perils that are not covered by your standard policy, such as flood or earthquake insurance.
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EA Sports FC 25: Unpacking the Base Icon Pack Craze
EA Sports FC 25 has captured the gaming community’s attention with its latest addition to the Squad Building Challenges (SBCs): the Base Icon Pack. This highly anticipated feature has ignited a frenzy of excitement among players, offering the chance to unlock some of EA FC 25 Coins football’s most iconic legends. For the first time, this pack comes without a maximum overall restriction, making it a tantalizing gamble for fans eager to bolster their squads with top-tier talent. However, as with all high-stakes gambles, the results can vary wildly, sparking discussions across the community about whether this SBC is worth the investment.
What Is the Base Icon Pack?
The Base Icon Pack allows players to obtain an Icon card, which represents a legendary footballer from their career’s early years. These cards are highly sought after in EA FC 25 for their unique stats and chemistry benefits, making them invaluable additions to any Ultimate Team lineup.
To complete this SBC, players must submit four squads with ratings of 88, 87, 86, and 85, making it a costly venture requiring substantial fodder (unwanted cards from packs). While this steep price tag has raised eyebrows, the allure of potentially pulling a game-changing player keeps the community engaged.
The Gamble: Winners and Losers
The excitement of opening a Base Icon Pack lies in its unpredictability. Players have reported a mix of Ws (wins) and Ls (losses), with some walking away with legends like Roberto Carlos and Zinedine Zidane, while others are stuck with cards like Roy Keane or Riquelme, which are less desirable in the current meta.
Big Wins
Roberto Carlos: The legendary Brazilian left-back is a fan favorite due to his blistering pace, excellent defending, and iconic free-kick ability. Players fortunate enough to pack Roberto Carlos consider it a massive win, as he fits seamlessly into almost any squad.
Zinedine Zidane: Undoubtedly one of the best pulls from the Base Icon Pack, Zidane’s card offers unmatched technical skills, physical presence, and versatility. Valued at over 4 million coins, packing Zidane is the dream scenario for any player.
Fernando Torres: The Spanish striker’s finesse shot and agility make him a formidable presence in attack, earning him a spot in many starting elevens.
Notable Losses
Roy Keane: While a dominant figure in real life, Keane’s in-game stats fail to live up to expectations in EA FC 25. His lack of pace and agility makes him a poor fit for the fast-paced Ultimate Team meta.
Riquelme: Another disappointment, Riquelme’s card is hampered by low pace and clunky dribbling mechanics, rendering him nearly unplayable.
Peter Schmeichel: Goalkeepers, while important, don’t provide the same value as outfield players, making Schmeichel and other Icon goalkeepers underwhelming pulls.
The Meta Impact of Icons in EA FC 25
Icons have always been a staple of EA’s football titles, celebrated for their nostalgic appeal and unique chemistry advantages. In EA FC 25, Icons provide nation-based chemistry, giving them unparalleled flexibility in squad building. For instance, packing an Icon like Cafu or Carlos Alberto can stabilize a team’s backline while linking players from different leagues and clubs seamlessly.
However, not all Icons are created equal. The current gameplay meta favors players with high pace, agility, and stamina, often leaving bulkier or slower Icons like Paul Scholes or Alan Shearer at a disadvantage. This disparity fuels the gamble inherent in the Base Icon Pack, as the best pulls can dramatically elevate a squad, while poorer ones may simply collect dust in reserves.
Community Reactions
The Base Icon Pack has sparked a wide range of reactions, from jubilation to frustration. Social media is flooded with pack-opening videos, showcasing everything from Zidane celebrations to players begrudgingly accepting their fifth Hernández card.
Many players have voiced concerns about the high cost of the SBC, questioning its value given the risk of pulling unusable cards. Others argue that the thrill of the gamble and the possibility of packing a game-changing Icon make it worthwhile.
How to Maximize Success with Base Icon Packs
For those looking to try their luck, here are some tips to ensure the best possible outcome:
Use Untradeable Fodder: To minimize the financial risk, use untradeable fodder cards obtained from objectives, rewards, and other SBCs.
Complete During Promo Events: Promo events often offer better pack rewards and bonuses, making it a strategic time to complete high-cost SBCs like the Base Icon Pack.
Avoid Rushing: Icons are not time-sensitive in the same way as promo cards. Wait until you’ve accumulated sufficient fodder and coins before attempting this SBC.
Evaluate Your Squad Needs: If your team already has strong chemistry and solid players, consider whether an Icon is truly worth the investment.
Is the Base Icon Pack Worth It?
The answer depends on your resources, risk tolerance, and squad needs. For casual players, the high cost and risk of poor pulls may outweigh the potential rewards. Competitive players, however, may find the gamble worthwhile for the chance to acquire an elite Icon who could define their season.
What’s Next for EA Sports FC 25?
The introduction of the Base Icon Pack signals EA’s commitment to keeping Ultimate Team fresh and engaging. Rumors suggest that more innovative SBCs are on the horizon, including potential “Thunder Cards” and Team of the Year promos, which could shift the meta further.
In the meantime, the Base Icon Pack remains a buy FC Coins hot topic in the community, embodying the thrill and frustration that defines the Ultimate Team experience. Whether it’s a game-breaking Zidane or a disappointing Keane, one thing is certain: the Base Icon Pack has made its mark on EA Sports FC 25