Unless you’re lucky enough to live in a city with perfect soil, your home probably has roots that extend beyond its foundation. Even homes with seemingly stable dirt have the potential to experience root problems. Whether it’s a tree, shrub, or other plant, most homes have at least some type of vegetation that extends into the ground underneath them. These roots can cause many different issues and can even be an indication that your home is sinking. However, there are ways to prevent these problems from affecting your home and surrounding property. One way is by getting a policy for your foundation known as root insurance. Root insurance covers the cost of repairing or replacing your foundation if it is damaged by tree roots or another type of growing root system. This article will explore five key benefits of this kind of insurance and why you should get it if you own property with trees or other types of plants nearby.
1. It Can Help You Determine If Your Home Is Sinking
If you notice that your trees are growing into your home or the soil around them has become unstable, you may have a sinking foundation. A sinking foundation is when the soil around a home becomes loose or compacted and is unable to support the weight of the house. In some cases, the soil can become waterlogged, and the water will seep into the ground around your home and make it too heavy to stay in place. This can cause your foundation to collapse as the soil is unable to support it. If you suspect that your home has a sinking foundation, root insurance can help you determine what the cause is. When your insurance company inspects the roots, they will be able to tell if they are growing into your foundation. This information can help you decide if you need to repair the foundation or if the soil is simply too loose to support the house.
2. It Protects Against Structural Damage
Root damage to your home’s foundation or supporting beams can quickly lead to structural damage that is very costly to repair. In some cases, the damage might even be so severe that you’re forced to tear down and rebuild your home. However, if you have root insurance, the repair costs will be covered. This can help you avoid the thousands of dollars in costs that you would face if your home’s foundation was completely damaged. Depending on the size and location of the roots growing into your property, the cost of repairs can vary widely. Root insurance will help you cover the cost of any repairs necessary to help your home stay in place and avoid structural damage.
3. It Helps Stop Shifting Floors and Walls
Not only do tree roots cause structural damage, they can also cause damage to your home’s interior. If a tree root grows into your crawlspace or basement, it can force the walls and floors to shift and move. Some types of plants, such as bamboo, can even push their roots through the interior of your home. Root insurance can help cover the cost of repairs that are necessary to stop the shifting of your floors and walls and repair any damage that has already occurred. If a root has pushed through your home’s interior, you can get the necessary repairs done to seal it off.
4. It Can Show Whether Your Foundation Is Solid
If you already have root damage and are considering having it repaired, you may be wondering whether the repairs will actually work. Are the repairs strong enough to hold your home in place? Will your foundation stay in the ground where it belongs? While the repairs are being completed, you can have your insurance company perform a root penetration test. This test will help them determine whether the repairs are strong enough to keep your home in place. If the repairs are strong enough, you can have them covered by your root insurance policy. If they aren’t strong enough, you can make any necessary adjustments before the repairs are complete.
5. It Will Help Preserve the Value of Your Property
If you’re considering selling your home one day, root insurance can help preserve the value of the property. While some trees can extend their roots into your yard, most of them will stop at your foundation. If you have a policy in place to repair any damage that they cause, they will be less likely to lower the value of your property. This can make it easier to sell your home in the future and get you a better price. Some potential buyers may be turned off if they see damage caused by tree roots around your home. However, if you have root insurance and make repairs as necessary, the roots will be less noticeable. This can make it easier for you to sell your home and get a better price.
If a tree root or other type of root is causing damage to your home, you can have it repaired with root insurance. This type of policy will cover the cost of repairs and can even be transferable to the next homeowner if you ever decide to sell the property. If you ever find yourself in this situation, make sure to get root insurance and protect your home and your pocketbook against costly repairs. With these five key benefits of root insurance in mind, you can make sure your home stays in place and is protected from costly repairs.