Does homeowners insurance cover cracked drive ways?

Typically, homeowners insurance does not cover cracks in driveways. Driveway damage is usually considered wear and tear, which is not covered by standard homeowners insurance policies. However, some insurers may offer an optional add-on coverage for driveway cracking, so it's worth checking with your insurance company to see if they provide this coverage.

To protect your driveway from cracking, there are several steps you can take:

1. Prevent Water Accumulation: Proper drainage is essential to prevent water from pooling on the driveway and seeping into cracks. Make sure your driveway slopes away from your home, and that there are no low spots where water can collect.

2. Seal Your Driveway: Applying a sealant to your driveway can help to protect it from moisture damage and cracking. Sealants can also help to prevent staining and erosion.

3. Avoid Heavy Loads: Avoid parking or driving heavy vehicles on the driveway, as this can put excessive pressure on the surface and lead to cracking.

4. Control Tree Roots: Tree roots can grow underneath the driveway and cause it to crack. If you have trees near your driveway, it's important to have them regularly trimmed and maintained to prevent root damage.

5. Repair Cracks Promptly: If you notice any cracks in your driveway, it's important to have them repaired as soon as possible. Small cracks can be filled and repaired, which can help to prevent them from becoming larger and causing more damage.

By taking these steps, you can help to protect your driveway from cracking and keep it in good condition.