When it comes to homeowners insurance, many people focus on their house and forget about the structures outside it—like retaining walls, patios, and stone walkways. But did you know that your hardscaping might also be covered under your policy? At Milton Stone, we’ve helped homeowners restore their hardscaping after damage, often with the support of their insurance. Here’s what you need to know about whether your retaining walls and other hardscaping features are covered.
What is Hardscaping?
Hardscaping refers to the non-living elements of your outdoor space, like: Retaining walls Patios and walkways Stone steps Driveways
These features are often permanent and can be costly to repair or replace if damaged, making it crucial to understand how your insurance applies.
What’s Usually Not Covered?
While insurance can cover a lot, there are some exclusions: Normal Wear and Tear: Damage due to aging or lack of maintenance isn’t covered. Flood Damage: Unless you have specific flood insurance, damage from rising water might not be included. Design or Installation Issues: Problems caused by poor design or improper installation are typically excluded.
💡 Tip from Milton Stone: Regular maintenance and professional installation can prevent many issues and may strengthen your claim if damage occurs.
When Does Insurance Cover Hardscaping?
Most homeowners insurance policies cover hardscaping in specific situations, including: Storm Damage: If a storm knocks over a retaining wall or damages your patio with debris, your insurance may cover the repairs.
💡 Example: A windstorm uproots a tree, which collapses onto your stone pathway. Fire Damage: Fire is typically a covered peril, so if your patio or retaining wall is damaged in a house fire, insurance is likely to step in. Vehicle Accidents: If a car veers off the road and crashes into your driveway or stone wall, your policy could cover the repairs. Vandalism or Theft: Acts of vandalism, like graffiti on a retaining wall or the theft of hardscaping materials, are usually covered.
How to Ensure Your Hardscaping is Covered
To maximize your coverage: Review Your Policy: Check if hardscaping is explicitly mentioned and what perils are covered. Consider Additional Riders: For high-value hardscaping, consider adding a rider to your policy for extra protection. Document Your Hardscaping: Keep photos, receipts, and warranties for your hardscaping features.
How Milton Stone Can Help
If your retaining walls or other hardscaping are damaged, Milton Stone can:
Provide detailed assessments for your insurance claim.
Work directly with your insurer to simplify the process.
Repair or replace damaged features with high-quality craftsmanship.
Conclusion: Understanding your insurance coverage for retaining walls and hardscaping can save you significant stress and money when the unexpected happens. At Milton Stone, we’re here to help you restore your outdoor space and guide you through the insurance process.
Contact Milton Stone today for a professional assessment and get started on your claim!
We have all the right solutions for your hardscaping, interlocking and concrete in Milton, ON – Guaranteed! Trust our teams of professional landscaping contractors in Oakville, ON. and let’s get you one step closer in obtaining your outdoor remodeling dreams.
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