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Thread: Void Under Slab

  1. #1
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    Default Void Under Slab

    I was having some work done to my home and the contractor had to break through the slab. When he did, he found a 4" void between the slab and the gound. In other words my entire home is hanging from the main beam and held together only by the strength of it and the lolly columns (the footers under them are suspended also).

    To correct this, I must remove and store all of my belongings in the basement, including the appliances, have all the interior walls and fixtures removed, then have the old slab demo'd, dropped into the void, tamped down, leveled and then a new slab poured.

    MY HO Insurance policy issuer says they will not cover ANYTHING because they cover nothing under the slab.

    Some how, to me that doesn't sound very neighborly of them...are they BS'ing me?



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    1 - Where are you located? Different laws might apply in different places.

    2 - Read your policy. Does the word "neighborly" appear anywhere in it?

  3. #3
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    Quote Originally Posted by whiskey99 View Post
    I was having some work done to my home and the contractor had to break through the slab. When he did, he found a 4" void between the slab and the gound. In other words my entire home is hanging from the main beam and held together only by the strength of it and the lolly columns (the footers under them are suspended also).

    To correct this, I must remove and store all of my belongings in the basement, including the appliances, have all the interior walls and fixtures removed, then have the old slab demo'd, dropped into the void, tamped down, leveled and then a new slab poured.

    MY HO Insurance policy issuer says they will not cover ANYTHING because they cover nothing under the slab.

    Some how, to me that doesn't sound very neighborly of them...are they BS'ing me?
    Probably not. This sounds like a case where you would need something like mine subsidence insurance. Have you contacted any companies that can pump grout into the void instead of the option you speak of. That could be a less expensive option. Perhaps you could just cut openings in the slabe and pour a few piers at strategic points instead of doing the whole thing. I would consult a good structural engineer or a company that specialises in that type of basement repair.

    The other question that comes to mind is how long have you lived in the home. If there has not been a subsidence problem before why do you need to do anything.

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    We really need to find out where the poster is before speculating on coverage.

    I'm familiar with two states where Mine Subsidence insurance is provided by the state and another state where sinkhole coverage is mandatory.

    None of that helps the poster.

    Besides, the problem under the slab could be caused by simple erosion or by a builder issue. Neither of which is covered in any homeowners policy.

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    Quote Originally Posted by adjusterjack View Post
    We really need to find out where the poster is before speculating on coverage.

    I'm familiar with two states where Mine Subsidence insurance is provided by the state and another state where sinkhole coverage is mandatory.

    None of that helps the poster.

    Besides, the problem under the slab could be caused by simple erosion or by a builder issue. Neither of which is covered in any homeowners policy.
    Of course you are correct about determining the state and the coverage. I am familar with mine subsidence coverage since I live in mining coutry but I didn't know about sink hole coverage. I am assuming that sink hole coverage is a specific risk coverage.

    This actually sounds like it most likely is a lack of proper site preparation with inadequate compaction which would of course be the builders fault.
    Last edited by xrac; 09-21-2010 at 05:55 PM.

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    Hopefully we'll get more detail soon.

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    Sounds to me that they won't. I think it comes down to an inherit vice or maintenance.
    Mark A. Schneider
    Denvers Insurance &
    The Ahbe Group http://denversinsurance.com http://denversinsuranceblog.com Fully licensed in Property, Casualty & Life In Colorado, USA.

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