Under a Tower Hill Insurance policy, damage must meet a specific structural threshold to qualify as a covered sinkhole loss. Coverage typically applies to the building and its foundation when settlement or cracking is directly attributed to sinkhole activity (subterranean voids (e.g., limestone dissolution) beneath the structure).
Signs of structural damage covered by the policy include:
It is important to note that Tower Hill generally excludes cosmetic or non-structural damage, as well as damage caused by normal wear and tear, erosion from surface water, or gradual settlement unrelated to sinkhole activity. For a claim to be successful, a licensed structural engineer must verify that the damage meets these structural thresholds and is caused by a sinkhole.
When interior doors suddenly begin sticking at the top corner, it is often a sign that the home’s foundation is shifting. In the Denver metro area, our expansive clay soils are a primary culprit; these soils swell when wet and…
While it may be tempting to simply plane a sticking door to fix the immediate nuisance, we strongly recommend that you first investigate the root cause, as persistent sticking is often one of the most reliable signs of foundation settlement.…
Yes, a sticking door is one of the most common early signs of foundation settlement. While seasonal humidity can cause wood to swell and stick temporarily, persistent jamming often indicates that your foundation has shifted, torquing the door frame out…
To determine if a sticking window is caused by foundation settlement rather than seasonal humidity, we recommend performing a few diagnostic checks focused on the frame’s alignment and surrounding structural cues: In Colorado, our expansive clay soils frequently cause these…
Yes, we are specialized foundation contractors providing professional support for Historical Renovations throughout the Denver metro and Front Range region. Since 1996, we have operated as a family-owned business dedicated to preserving the structural integrity of historic properties through advanced…
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