You can’t protect yourself against the forces of nature- soil movement or swelling or shrinking of soils.
o    soil movement causes 80% of all structural defects in the U.S.
o    When constructing a new home- a soil test can be done to determine the potential severity for swelling or shrinking soils.
o    Did you know? Your homeowners have the same likelihood of experiencing major structural damage as they do for experiencing major fire damage (E. Fluhr & P. Thomas, 1998)
Solution: Home Warranty companies help to alleviate some of the risk associated with structural defects.
o    While a home warranty can’t fully protect you- it can transfer the risk of loss due to structural defects to the insurer who covers the cost of repairs to the home.

For more information about 2-10 HBW call local Risk Management Specialist, Keisha Hulsey @ 770-906-5830, e-mail: or visit our website @

Leave a Reply

Your email address will not be published. Required fields are marked *