House Structure refers to the load-bearing parts of a home, such as the foundation, basement walls, and framing, that support the building. Warning signs of structural problems may include growing cracks, uneven floors, or sticking doors. A homeowners policy typically covers sudden damage from a covered peril, which is an event the policy lists, such as fire. It typically does not cover damage from wear and tear, gradual deterioration, or normal settling, so regular maintenance matters.
A strong foundation is essential to your home’s safety and long-term stability. Learn how routine inspections, proper drainage, moisture control, and smart attic storage can help prevent costly structural problems, plus what homeowners insurance may cover if damage occurs.
Murphy Insurance Agency provides insurance solutions across Massachusetts and New England. Where you live is not a barrier to our assisting you. We are proud to serve the communities where our customers live and work, including Acton, Ashland, Ayer, Bellingham, Berlin, Blackstone, Bolton, Boston, Boxborough, Boylston, Chelmsford, Clinton, Concord, Devens, Dunstable, Fitchburg, Foxborough, Framingham, Franklin, Groton, Harvard, Holliston, Hopedale, Hopkinton, Hudson, Lancaster, Leominster, Littleton, Lunenburg, Marlborough, Maynard, Medfield, Medway, Mendon, Milford, Millis, Millville, Natick, Norfolk, Northborough, Northbridge, Pepperell, Sherborn, Shirley, Shrewsbury, Southborough, Sterling, Stow, Sudbury, Townsend, Upton, Uxbridge, Wayland, Westborough, Westford, Weston, Whitinsville, Worcester, and last but not least, Wrentham.