Does Homeowners Insurance Cover Sidewalk Repair?

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   Dan Beukelman

   CSR, American Family Insurance,

   Normally not.  Home Insurance isn't for maintenance expenses, it is for sudden and accidental occurrences for covered perils.  So, if it was damaged in a covered peril (house fire or collapse would be two that might damage sidewalk) - then yes, it would be covered, but most of the time, sidewalk repair needs come from ground freeze or slow degradation over time.  Those would not be claimable with insurance.  If you have bad sidewalk, your insurance might require you to replace it so that there isn't a liability claim later (slip and falls and trip hazards).

   Answered on March 13, 2014

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