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Check your policy for foundation terms.

Paste text from your declarations page below and the checker highlights the foundation-related terms — foundation endorsements, slab access limits, water damage and seepage wording, Coverage A percentages, exclusions — and explains what each one may mean, grounded in the documented Texas forms. Nothing you paste leaves this page. The whole check runs on your device; there is no upload, no account, no email gate.

What it looks for

What the checker looks for

Every term in the dictionary traces back to a document in our Texas foundation insurance endorsement database — the 2002–2003 TDI filings, the state's consumer guidance, and a real 2026 declarations page we reviewed. The checker recognizes variants and nearby dollar amounts or percentages, so “Slab/Foundation Access Limit: $2,000” gets flagged as access-only money with the $2,000 read out of the line.

Coverage that repairs

Foundation coverage · foundation endorsement · “slab or foundation coverage” · settling / cracking grant language

The wording that, historically, paid to repair a foundation after a covered leak — capped at 15% of Coverage A or $15,000 in the documented Texas forms.

Coverage that only reaches

Slab/foundation ACCESS limit (dollar amount spotted) · service line coverage · tear-out · reroute

Foundation-adjacent money that pays toward reaching or rerouting a covered plumbing repair — never toward piers or leveling.

The water words

Water damage · seepage · leakage · sudden and accidental

Whether slow leaks are inside or outside the trigger is the sentence that decides most slab-leak claims.

The fine print

Exclusions · earth movement · sublimits · deductibles · Coverage A percentages · hydrostatic testing

Where claims are actually decided: what is excluded, what shares the limit, and what comes off the top.

Form numbers

FE-5368 · FE-5369 · FE-5393 · HO 00 02 – HO 00 08 · HO-B

The specific Texas forms in the public record — each links to the filing-backed page that explains it.

Why paste, not upload

Your policy is your business.

A declarations page carries your name, address, policy number, and premium. That is exactly why this tool takes pasted text instead of a file, and why the scan happens in your browser instead of on a server: the safest place for your policy details is a machine you own. Select just the endorsements section if you prefer — the checker only needs the words, not the whole document. When a term needs a deeper answer, the links go to the pages that document it: what a foundation endorsement is, access versus real coverage, slab-leak coverage, the State Farm and USAA filings, claim documents, and the full Texas insurance guide.

And keep the tool in its lane. It reads words on a summary sheet; it cannot see your policy's full language, your soil, or your slab. If the reason you are reading your policy is that something in the house is moving, the more useful measurement is a free elevation survey — it tells you what actually moved, which is the fact every coverage conversation turns on.

Policy checker FAQ

Checker questions, answered straight

No. The checker is a small script that runs entirely in your browser: the text you paste is scanned on your own device, never uploaded, never stored, and gone when you close the tab. There is no server on the other end of the textarea. If you allowed analytics cookies, the only thing recorded is that a check ran and a rough count of how many term types were found (0, 1-3, or 4+) — never a word of the text. With analytics declined, nothing is sent at all.
About twenty term types drawn from documented Texas forms: foundation coverage and foundation endorsement wording, slab/foundation access limits (with the dollar amount spotted when one sits nearby), the USAA-style slab or foundation coverage phrasing, water damage, seepage and leakage, sudden and accidental, service line coverage, Coverage A and percentage-of-Coverage-A patterns, sublimits, exclusion wording, earth movement, settling and cracking language, hydrostatic testing, tear-out and reroute, deductibles, the State Farm form numbers FE-5368, FE-5369 and FE-5393, the ISO homeowners forms HO 00 02 through HO 00 08, and the old Texas HO-B. Each hit gets a plain-English explanation and a link to the page that covers it in depth.
No. A declarations page is a summary — it names endorsements and limits but not the full policy language that decides a claim. The checker tells you what a term MAY mean based on publicly documented Texas forms, and the same words can mean different things on different forms. Treat every hit as a question to ask, not an answer: get the endorsement's exact form name and number from your carrier, in writing, and read what it actually pays for.
It is the most common result, and it usually means your policy relies on standard forms — whose foundation exclusions do not appear on the summary sheet — with no foundation-specific endorsement added. That is worth confirming rather than assuming: the Texas Department of Insurance's own consumer guidance lists damage to foundations or slabs among the coverages a policy may not include unless an endorsement adds it. Send your agent the twelve-question checklist from our Texas insurance guide, starting with whether a foundation endorsement is available for your policy.

The Foundation Insurance Policy Term Checker is © Motmot Foundation Repair and licensed under CC BY-NC-ND 4.0. You’re welcome to share it or link to it with credit to Motmot Foundation Repair (motmotfoundationrepair.com). You may not sell it, charge for access to it, or publish a modified version.

Attribution line: Foundation Insurance Policy Term Checker — Motmot Foundation Repair, https://motmotfoundationrepair.com/foundation-insurance-policy-checker/ (CC BY-NC-ND 4.0)

Insurance information disclaimer: Motmot Foundation Repair is not an insurance company, insurance agency, public adjusting firm or law firm. This page provides general educational information based on publicly available documents and does not determine whether a particular loss is covered. Coverage depends on the complete policy, endorsements, exclusions, deductibles, cause of loss, evidence and the insurer's investigation. Insurance products and forms may change. Contact a licensed insurance agent, the insurance carrier, a licensed public adjuster or an attorney for advice concerning a specific policy or claim.

The policy says what's covered. A measurement says what moved.

A free Motmot inspection gives you the documented answer for your house: a floor-elevation survey, crack mapping, and an honest read — including 'no repair needed' when that's the truth.

Now booking free inspections in Central Texas.

Call (210) 816-0034Free Inspection