Who Covers A Frost Heave In The Driveway To The Road – The Homeowner Or The City?

Gas lines were put in and they patched end of driveway, would this be homeowners or the towns responsibility.

  1. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    A HO-3 homeowner’s policy covers your driveway to an amount not to exceed the Coverage B limit. However, the insurance company generally does not pay for damage to a driveway caused by freezing, thawing or pressure or weight of ice or water whether driven by wind or not. Since the city is not responsible for the weather, I doubt that they would have any liability.
    Answered on March 2, 2015
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  2. 14231 POINTS
    Tom Sheehan
    Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
    It is impportant to remember the two most common exclusions in most Homeowners policies to begin to explore this question. Flood damage is always excluded and such protection is only available through the purchase of a separate Flood Insurance policy.
    The other common exclusion, which more closely begins to deal with this question, is damage to property caused by earth movement. Any earth movement that you can think of usually falls into this category of exception including earth quake, sink hole, settling, frost heave etc.
    So the exclusion alone, if it is found in your policy , would be enough to deny coverage for such a loss. Always talk to your Insurance Professional about the specific terms, conditions and exclusions in your policy.
    Answered on March 2, 2015
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