Pressure on Roadway Damages Foundation

June 10, 2014

 The insured lives on a cul de sac and his dwelling's foundation is showing signs of cracks. A structural engineer has inspected and has called it, "street creep" and states that it is caused by vehicles turning around in the roadway, which causes pressure on the driveway which is carried to the foundation of the dwelling, causing the cracks. I don't see this as earth movement by itself and am looking at this as being caused by vehicles. In your opinion, is this covered by HO-3?

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