{ "name": "Texas Foundation Insurance Endorsement Database", "version": "1.0", "updated": "2026-07-12", "page": "https://motmotfoundationrepair.com/texas-foundation-insurance-endorsements/", "publisher": "Motmot Foundation Repair", "contact": "get@motmotfoundationrepair.com", "license": "The compiled database is licensed CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/) with credit to Motmot Foundation Repair. The underlying government documents are public records with their own attributions.", "method": "Every entry comes from a public document read in full (Texas Department of Insurance bulletins, orders, and consumer guidance) or from a real Texas declarations page reviewed by Motmot with the policyholder's written consent and all identifying details withheld. Nothing in this file asserts what any carrier sells today.", "status_labels": { "historically_documented": "Historically documented — the endorsement appears in a 2002-2003 TDI filing; proof of what it said then, not of current availability.", "observed_2026": "Observed 2026 — seen on a real, anonymized Texas declarations page reviewed by Motmot in 2026.", "reference": "Reference — supporting government guidance, not a specific endorsement filing." }, "entries": [ { "id": "state-farm-fe-5368", "insurer": "State Farm", "form_name": "Dwelling Foundation Endorsement", "form_number": "FE-5368", "source_title": "TDI Commissioner's Bulletin (Order 02-0208), 2002", "source_url": "https://www.tdi.texas.gov/bulletins/2002/statefarm.html", "year_documented": "2002", "coverage_trigger": "Seepage or leakage of water or steam from within a plumbing, heating, air conditioning, or automatic fire protective sprinkler system", "what_is_covered": "Settling, cracking, shrinking, bulging, or expansion of foundations, floor slab, or footings that support the dwelling; includes the cost of tearing out and replacing parts of the building to repair the leaking system", "what_shares_the_limit": "Tear-out and replacement sit inside the coverage; the leaking system itself is not covered", "limit": "15% of Coverage A (dwelling) on the date of loss", "status": "historically_documented", "status_label": "Historically documented", "last_verified": "2026-07-12", "notes": "Under State Farm's documented phase-in plan, an applicant who declined this endorsement at policy inception would not be offered it again later. The bulletin contrasts it with the old HO-B, which covered leak-caused foundation damage up to the full Coverage A limit.", "related_page": "/does-state-farm-cover-foundation-repair/", "related_title": "Does State Farm cover foundation repair?" }, { "id": "state-farm-fe-5369", "insurer": "State Farm", "form_name": "Water Damage Endorsement (homeowners)", "form_number": "FE-5369", "source_title": "TDI Commissioner's Bulletin (Order 02-0208), 2002", "source_url": "https://www.tdi.texas.gov/bulletins/2002/statefarm.html", "year_documented": "2002", "coverage_trigger": "Continuous or repeated seepage or leakage of water or steam from heating, air conditioning, or automatic fire sprinkler systems, household appliances, or plumbing systems", "what_is_covered": "Deterioration, wet rot, or dry rot to Coverage A (dwelling) and Coverage B (personal property); includes tear-out and replacement of building parts to repair the leaking system or appliance", "what_shares_the_limit": "Tear-out included in the coverage; the leaking system or appliance itself is not covered; fungus from continuous seepage excluded (fungus from a sudden discharge not excluded)", "limit": "No separate dollar cap stated in the bulletin's description", "status": "historically_documented", "status_label": "Historically documented", "last_verified": "2026-07-12", "notes": "This is water-damage (rot and deterioration) coverage, not foundation-movement coverage — the bulletin describes it separately from FE-5368. Declining it at inception, like the foundation endorsement, meant it would not be available later under the documented plan.", "related_page": "/blog/does-homeowners-insurance-cover-slab-leaks/", "related_title": "Does insurance cover slab leaks?" }, { "id": "state-farm-fe-5393", "insurer": "State Farm", "form_name": "Water Damage Endorsement (renters / condo unitowners)", "form_number": "FE-5393", "source_title": "TDI Commissioner's Bulletin (Order 02-0208), 2002", "source_url": "https://www.tdi.texas.gov/bulletins/2002/statefarm.html", "year_documented": "2002", "coverage_trigger": "Continuous or repeated seepage or leakage of water or steam from heating, air conditioning, or automatic fire sprinkler systems, household appliances, or plumbing systems", "what_is_covered": "Parallels FE-5369, but the coverages apply only to Coverage B (personal property) — it attaches to renters and condominium unitowners policies", "what_shares_the_limit": "Same structure as FE-5369, limited to personal property", "limit": "No separate dollar cap stated in the bulletin's description", "status": "historically_documented", "status_label": "Historically documented", "last_verified": "2026-07-12", "notes": "Included for completeness: a renter or condo owner reading a declarations page may see this number. It never covered a foundation — there is no dwelling coverage on those forms.", "related_page": "/blog/does-homeowners-insurance-cover-slab-leaks/", "related_title": "Does insurance cover slab leaks?" }, { "id": "iso-foundation-coverage-texas", "insurer": "ISO (any insurer adopting the ISO Texas homeowners forms)", "form_name": "Foundation Coverage-Texas Endorsement", "form_number": "Not printed in the order text", "source_title": "TDI Order 02-0741, 2002", "source_url": "https://www.tdi.texas.gov/rules/2002/0719A-059.html", "year_documented": "2002", "coverage_trigger": "Seepage or leakage of water or steam from within a plumbing, heating, air conditioning, or automatic fire protective sprinkler system", "what_is_covered": "Settling, cracking, shrinking, bulging, or expansion of foundations, floor slab, or footings that support the dwelling; includes tear-out and replacement of building parts to repair the leaking system", "what_shares_the_limit": "Tear-out included in the coverage; the leaking system itself is not covered", "limit": "15% of Coverage A (dwelling) on the date of loss", "status": "historically_documented", "status_label": "Historically documented", "last_verified": "2026-07-12", "notes": "Approved alongside six ISO homeowners forms — HO 00 02, HO 00 03, HO 00 04, HO 00 05, HO 00 06, and HO 00 08 — and ninety-three endorsements. Insurers adopting the forms were REQUIRED to offer this endorsement to the applicant when each new policy was written (subject to underwriting) and to disclose whether the offer was one-time or would stay available.", "related_page": "/texas-foundation-coverage-endorsement/", "related_title": "The Texas foundation coverage endorsement, explained" }, { "id": "usaa-slab-or-foundation", "insurer": "USAA (Texas dwelling program)", "form_name": "Slab or Foundation Coverage Endorsement", "form_number": "Not printed in the order text", "source_title": "TDI Order CO-03-0110, 2003", "source_url": "https://www.tdi.texas.gov/orders/co-03-0110.html", "year_documented": "2003", "coverage_trigger": "Accidental discharge or leakage of water or steam — explicitly including constant or repeated seepage over a period of weeks, months, or years — from a plumbing, heating, air conditioning, or fire protective sprinkler system or a household appliance", "what_is_covered": "Damage to the slab or foundation of the building; tear-out offers two options at the insured's choice — tear out and replace building parts to repair the system, or reroute the system", "what_shares_the_limit": "Tear-out or reroute costs are included WITHIN the $15,000 limit, not paid on top of it", "limit": "$15,000", "status": "historically_documented", "status_label": "Historically documented", "last_verified": "2026-07-12", "notes": "Slow seepage being explicitly inside the trigger is unusual and homeowner-favorable. The order phased the new USAA dwelling forms in for new business no later than January 1, 2004, with the endorsement offered at each new policy. It excluded settling or cracking of pavements, patios, walls, floors, roofs, and ceilings.", "related_page": "/does-usaa-cover-foundation-repair/", "related_title": "Does USAA cover foundation repair?" }, { "id": "foremost-access-limit-2026", "insurer": "Foremost", "form_name": "Slab/Foundation Access Limit ($2,000) — declarations-page line", "form_number": "Not recorded (identifying details withheld)", "source_title": "2026 Texas declarations page reviewed by Motmot (anonymized, with the policyholder's written consent)", "source_url": "https://motmotfoundationrepair.com/slab-access-vs-foundation-coverage/", "year_documented": "2026", "coverage_trigger": "An otherwise-covered plumbing repair that requires opening a path through or under the slab", "what_is_covered": "ACCESS only — help paying to reach the covered plumbing repair (cutting and closing a slab section, or digging to it) — NOT structural foundation repair, piers, or leveling", "what_shares_the_limit": "The $2,000 covers the opening and closing of the access path; foundation repair itself is outside the coverage entirely", "limit": "$2,000", "status": "observed_2026", "status_label": "Observed 2026", "last_verified": "2026-07-12", "notes": "The homeowner had read 'foundation' plus a dollar sign as foundation repair coverage; the wording promised reach-the-repair money only. The same policy carried a separate service-line coverage (buried utility lines) — also not structural repair coverage. One observed policy, not a statement about all Foremost policies.", "related_page": "/slab-access-vs-foundation-coverage/", "related_title": "Slab access vs foundation coverage" }, { "id": "tdi-cb025-reference", "insurer": "Texas Department of Insurance (consumer guidance)", "form_name": "\"Damage to foundations or slabs\" listed among common optional endorsements", "form_number": "Publication cb025", "source_title": "TDI consumer guide: Home insurance basics (cb025)", "source_url": "https://www.tdi.texas.gov/pubs/consumer/cb025.html", "year_documented": "2026 (guide as read)", "coverage_trigger": "n/a — guidance, not a policy form", "what_is_covered": "TDI's own consumer guide lists 'Damage to foundations or slabs' among the common endorsements companies offer — that is, coverage a standard policy may NOT include unless added", "what_shares_the_limit": "n/a", "limit": "n/a", "status": "reference", "status_label": "Reference", "last_verified": "2026-07-12", "notes": "The state's plainest confirmation that foundation coverage in Texas is typically an add-on, not a default. Useful context for every other row in this database.", "related_page": "/foundation-repair-insurance-coverage-texas/", "related_title": "Does insurance cover foundation repair in Texas? (the full guide)" } ] }