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# USAA Property Claim Denial
- URL: https://gijustice.com/20261030-0950-usaa/
- Published: 2026-10-30T16:50:00.000Z
- Updated: 2026-10-30T22:22:02.000Z
- Author: Logan M Isaac
- Tags: USAA, Bryan Stewart

![](https://storage.ghost.io/c/62/5e/625e8b30-aba8-4ca4-b679-851550ded791/content/images/2026/10/Screenshot-2026-10-30-at-15.21.09.png)

## **Reason for Denial**

Your claim for the patio support settlement isn’t covered because based on the inspection of the patio roof the foundation support has settled.  
  
The policy specifically excludes coverage for damages caused by the foundation settlement and earth movement. 

### Policy Provisions

The specific policy language, which is the basis for the denial, is located on:

- Pages 15-16, Section 1, LOSSES WE DO NOT COVER, LOSSES WE DO NOT COVER UNDER DWELLING PROTECTION AND OTHER STRUCTURES PROTECTION., 1\. k..
- Pages 17, Section 1, LOSSES WE DO NOT COVER, LOSSES WE DO NOT COVER UNDER DWELLING PROTECTION, OTHER STRUCTURES PROTECTION AND PERSONAL PROPERTY PROTECTION:, 1.b. (3) (4).

### Policy Language

The policy states: 

> **SECTION I - LOSSES WE DO NOT COVER** 
> **LOSSES WE DO NOT COVER UNDER DWELLING PROTECTION AND OTHER STRUCTURES PROTECTION.** 
> **1.** Unless otherwise stated in 3\. below we do not insure for damage consisting of or caused directly or indirectly by any of the following, regardless of:  
> …  
> k. Settling, cracking, shrinking, bulging or expansion of pavements, patios, foundations, walls, floors, roofs or ceilings;  
> …  
> LOSSES WE DO NOT COVER UNDER DWELLING PROTECTION, OTHER STRUCTURES PROTECTION AND PERSONAL PROPERTY PROTECTION:  
>  
> 1\. We do not insure for damage consisting of or caused directly or indirectly by any of the following regardless of:  
> …  
> b. Earth Movement arising from or caused by or resulting from human or animal forces or any act of nature, meaning:  
> …  
> (3) Subsidence, sinkhole, erosion or movement resulting from improper compaction, site selection or any other external forces;  
>  
> (4) Earth sinking, rising or shifting, expanding or contracting of earth, all whether combined with water or not;  
> \*\*\*\*\*  
>  
> Pg.15-17  
> Section 1,1\. K. & 1\. b. (3) (4)

Although the reported damage is excluded by the policy, please make sure that all necessary repairs are completed as per the conditions of the policy.

## ***Important Legal Information***

Your policy's Suit Against Us Provision prohibits you from taking any action against us unless you have given us notice of the loss, complied with all policy provisions, and started legal action within two (2) years after the date of loss.